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$30,822
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,781
−HK$974/mo
Today · 4.125%
HK$32,755
baseline
▲ 0.50% · 4.625%
HK$34,748
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,510/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,289
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,209
−HK$933/mo
Today · 4.125%
HK$36,142
baseline
▲ 0.50% · 4.625%
HK$38,047
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,284/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,987
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,137
−HK$1,169/mo
Today · 4.125%
HK$39,306
baseline
▲ 0.50% · 4.625%
HK$41,698
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,612/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,147
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,251
−HK$1,119/mo
Today · 4.125%
HK$43,370
baseline
▲ 0.50% · 4.625%
HK$45,657
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,740/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,151
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,493
−HK$1,364/mo
Today · 4.125%
HK$45,857
baseline
▲ 0.50% · 4.625%
HK$48,647
+HK$2,790/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,714/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,005
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,293
−HK$1,306/mo
Today · 4.125%
HK$50,599
baseline
▲ 0.50% · 4.625%
HK$53,266
+HK$2,667/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,198/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,480
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,206
−HK$1,753/mo
Today · 4.125%
HK$58,959
baseline
▲ 0.50% · 4.625%
HK$62,547
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,918/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,721
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,376
−HK$1,680/mo
Today · 4.125%
HK$65,056
baseline
▲ 0.50% · 4.625%
HK$68,485
+HK$3,429/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,112/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,889 · Scale 2, in force from 26 Feb 2026)