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$30,827
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,786
−HK$974/mo
Today · 4.125%
HK$32,760
baseline
▲ 0.50% · 4.625%
HK$34,754
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,520/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,295
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,215
−HK$933/mo
Today · 4.125%
HK$36,148
baseline
▲ 0.50% · 4.625%
HK$38,053
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,296/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,993
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,143
−HK$1,169/mo
Today · 4.125%
HK$39,312
baseline
▲ 0.50% · 4.625%
HK$41,704
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,624/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,154
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,258
−HK$1,119/mo
Today · 4.125%
HK$43,377
baseline
▲ 0.50% · 4.625%
HK$45,664
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,754/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,158
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,500
−HK$1,364/mo
Today · 4.125%
HK$45,864
baseline
▲ 0.50% · 4.625%
HK$48,655
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,728/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,013
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,300
−HK$1,307/mo
Today · 4.125%
HK$50,607
baseline
▲ 0.50% · 4.625%
HK$53,274
+HK$2,667/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,214/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,489
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,215
−HK$1,753/mo
Today · 4.125%
HK$58,968
baseline
▲ 0.50% · 4.625%
HK$62,557
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,936/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,968 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,731
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,386
−HK$1,680/mo
Today · 4.125%
HK$65,066
baseline
▲ 0.50% · 4.625%
HK$68,496
+HK$3,430/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,132/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,968 · Scale 2, in force from 26 Feb 2026)