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$30,829
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,788
−HK$975/mo
Today · 4.125%
HK$32,763
baseline
▲ 0.50% · 4.625%
HK$34,756
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,526/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,297
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,217
−HK$933/mo
Today · 4.125%
HK$36,150
baseline
▲ 0.50% · 4.625%
HK$38,056
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,300/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,995
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,146
−HK$1,169/mo
Today · 4.125%
HK$39,315
baseline
▲ 0.50% · 4.625%
HK$41,708
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,630/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,157
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,261
−HK$1,120/mo
Today · 4.125%
HK$43,381
baseline
▲ 0.50% · 4.625%
HK$45,667
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,762/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,161
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,504
−HK$1,364/mo
Today · 4.125%
HK$45,868
baseline
▲ 0.50% · 4.625%
HK$48,659
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,736/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,016
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,304
−HK$1,307/mo
Today · 4.125%
HK$50,611
baseline
▲ 0.50% · 4.625%
HK$53,278
+HK$2,667/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,222/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,493
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,219
−HK$1,754/mo
Today · 4.125%
HK$58,973
baseline
▲ 0.50% · 4.625%
HK$62,561
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,946/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,007 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,735
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,391
−HK$1,680/mo
Today · 4.125%
HK$65,071
baseline
▲ 0.50% · 4.625%
HK$68,501
+HK$3,430/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,142/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,007 · Scale 2, in force from 26 Feb 2026)