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$30,826
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,784
−HK$975/mo
Today · 4.125%
HK$32,759
baseline
▲ 0.50% · 4.625%
HK$34,752
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,518/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,293
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,213
−HK$933/mo
Today · 4.125%
HK$36,146
baseline
▲ 0.50% · 4.625%
HK$38,051
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,292/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,991
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,141
−HK$1,169/mo
Today · 4.125%
HK$39,310
baseline
▲ 0.50% · 4.625%
HK$41,702
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,620/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,152
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,255
−HK$1,120/mo
Today · 4.125%
HK$43,375
baseline
▲ 0.50% · 4.625%
HK$45,661
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,750/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,156
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,498
−HK$1,364/mo
Today · 4.125%
HK$45,862
baseline
▲ 0.50% · 4.625%
HK$48,653
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,724/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,010
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,298
−HK$1,306/mo
Today · 4.125%
HK$50,604
baseline
▲ 0.50% · 4.625%
HK$53,272
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,208/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,486
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,212
−HK$1,753/mo
Today · 4.125%
HK$58,965
baseline
▲ 0.50% · 4.625%
HK$62,553
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,930/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,728
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,383
−HK$1,680/mo
Today · 4.125%
HK$65,063
baseline
▲ 0.50% · 4.625%
HK$68,492
+HK$3,429/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,126/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,943 · Scale 2, in force from 26 Feb 2026)