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$30,818
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,777
−HK$974/mo
Today · 4.125%
HK$32,751
baseline
▲ 0.50% · 4.625%
HK$34,744
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,502/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,285
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,205
−HK$933/mo
Today · 4.125%
HK$36,138
baseline
▲ 0.50% · 4.625%
HK$38,042
+HK$1,904/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,276/mo (50% DSR)
Upfront cash ≈ HK$7.26M (deposit + AVD stamp duty HK$506,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,982
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,133
−HK$1,168/mo
Today · 4.125%
HK$39,301
baseline
▲ 0.50% · 4.625%
HK$41,693
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,602/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,142
−HK$2,223/mo
▼ 0.25% · 3.875%
HK$42,246
−HK$1,119/mo
Today · 4.125%
HK$43,365
baseline
▲ 0.50% · 4.625%
HK$45,651
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,730/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,146
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,488
−HK$1,364/mo
Today · 4.125%
HK$45,852
baseline
▲ 0.50% · 4.625%
HK$48,641
+HK$2,789/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$91,704/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,999
−HK$2,594/mo
▼ 0.25% · 3.875%
HK$49,287
−HK$1,306/mo
Today · 4.125%
HK$50,593
baseline
▲ 0.50% · 4.625%
HK$53,259
+HK$2,666/mo
Deposit HK$4.05M · loan HK$9.46M · min. income ≈ HK$101,186/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,473
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,199
−HK$1,753/mo
Today · 4.125%
HK$58,952
baseline
▲ 0.50% · 4.625%
HK$62,539
+HK$3,587/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$117,904/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,713
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,369
−HK$1,679/mo
Today · 4.125%
HK$65,048
baseline
▲ 0.50% · 4.625%
HK$68,476
+HK$3,428/mo
Deposit HK$1.35M · loan HK$12.16M · min. income ≈ HK$130,096/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,826 · Scale 2, in force from 26 Feb 2026)