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$30,824
−HK$1,933/mo
▼ 0.25% · 3.875%
HK$31,783
−HK$974/mo
Today · 4.125%
HK$32,757
baseline
▲ 0.50% · 4.625%
HK$34,750
+HK$1,993/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,514/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,291
−HK$1,853/mo
▼ 0.25% · 3.875%
HK$35,211
−HK$933/mo
Today · 4.125%
HK$36,144
baseline
▲ 0.50% · 4.625%
HK$38,049
+HK$1,905/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,288/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$506,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,989
−HK$2,319/mo
▼ 0.25% · 3.875%
HK$38,139
−HK$1,169/mo
Today · 4.125%
HK$39,308
baseline
▲ 0.50% · 4.625%
HK$41,700
+HK$2,392/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,616/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,149
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,253
−HK$1,120/mo
Today · 4.125%
HK$43,373
baseline
▲ 0.50% · 4.625%
HK$45,659
+HK$2,286/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,746/mo (50% DSR)
Upfront cash ≈ HK$5.91M (deposit + AVD stamp duty HK$506,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,153
−HK$2,706/mo
▼ 0.25% · 3.875%
HK$44,496
−HK$1,363/mo
Today · 4.125%
HK$45,859
baseline
▲ 0.50% · 4.625%
HK$48,650
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$91,718/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,008
−HK$2,593/mo
▼ 0.25% · 3.875%
HK$49,295
−HK$1,306/mo
Today · 4.125%
HK$50,601
baseline
▲ 0.50% · 4.625%
HK$53,269
+HK$2,668/mo
Deposit HK$4.06M · loan HK$9.46M · min. income ≈ HK$101,202/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$506,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,483
−HK$3,479/mo
▼ 0.25% · 3.875%
HK$57,209
−HK$1,753/mo
Today · 4.125%
HK$58,962
baseline
▲ 0.50% · 4.625%
HK$62,550
+HK$3,588/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,924/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,914 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,724
−HK$3,335/mo
▼ 0.25% · 3.875%
HK$63,380
−HK$1,679/mo
Today · 4.125%
HK$65,059
baseline
▲ 0.50% · 4.625%
HK$68,488
+HK$3,429/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,118/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$506,914 · Scale 2, in force from 26 Feb 2026)