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$30,835
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,794
−HK$975/mo
Today · 4.125%
HK$32,769
baseline
▲ 0.50% · 4.625%
HK$34,762
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,538/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,304
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,224
−HK$933/mo
Today · 4.125%
HK$36,157
baseline
▲ 0.50% · 4.625%
HK$38,063
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,314/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,002
−HK$2,320/mo
▼ 0.25% · 3.875%
HK$38,153
−HK$1,169/mo
Today · 4.125%
HK$39,322
baseline
▲ 0.50% · 4.625%
HK$41,715
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,644/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,164
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,268
−HK$1,120/mo
Today · 4.125%
HK$43,388
baseline
▲ 0.50% · 4.625%
HK$45,675
+HK$2,287/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,776/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,169
−HK$2,707/mo
▼ 0.25% · 3.875%
HK$44,512
−HK$1,364/mo
Today · 4.125%
HK$45,876
baseline
▲ 0.50% · 4.625%
HK$48,667
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,752/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,025
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,313
−HK$1,307/mo
Today · 4.125%
HK$50,620
baseline
▲ 0.50% · 4.625%
HK$53,288
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,240/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,503
−HK$3,480/mo
▼ 0.25% · 3.875%
HK$57,229
−HK$1,754/mo
Today · 4.125%
HK$58,983
baseline
▲ 0.50% · 4.625%
HK$62,572
+HK$3,589/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,966/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,746
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,402
−HK$1,680/mo
Today · 4.125%
HK$65,082
baseline
▲ 0.50% · 4.625%
HK$68,513
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,164/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,097 · Scale 2, in force from 26 Feb 2026)