The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$30,840
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,799
−HK$975/mo
Today · 4.125%
HK$32,774
baseline
▲ 0.50% · 4.625%
HK$34,768
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,548/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,309
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$934/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,069
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,008
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,159
−HK$1,169/mo
Today · 4.125%
HK$39,328
baseline
▲ 0.50% · 4.625%
HK$41,721
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,656/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,171
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,275
−HK$1,120/mo
Today · 4.125%
HK$43,395
baseline
▲ 0.50% · 4.625%
HK$45,682
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,790/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,519
−HK$1,364/mo
Today · 4.125%
HK$45,883
baseline
▲ 0.50% · 4.625%
HK$48,675
+HK$2,792/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,766/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,032
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,321
−HK$1,307/mo
Today · 4.125%
HK$50,628
baseline
▲ 0.50% · 4.625%
HK$53,296
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,256/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,512
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,238
−HK$1,755/mo
Today · 4.125%
HK$58,993
baseline
▲ 0.50% · 4.625%
HK$62,582
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,986/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,756
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,412
−HK$1,681/mo
Today · 4.125%
HK$65,093
baseline
▲ 0.50% · 4.625%
HK$68,524
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,186/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,176 · Scale 2, in force from 26 Feb 2026)