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$30,840
−HK$1,934/mo
▼ 0.25% · 3.875%
HK$31,799
−HK$975/mo
Today · 4.125%
HK$32,774
baseline
▲ 0.50% · 4.625%
HK$34,768
+HK$1,994/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$65,548/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,309
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,229
−HK$934/mo
Today · 4.125%
HK$36,163
baseline
▲ 0.50% · 4.625%
HK$38,069
+HK$1,906/mo
Deposit HK$6.76M · loan HK$6.76M · min. income ≈ HK$72,326/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,008
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,159
−HK$1,170/mo
Today · 4.125%
HK$39,329
baseline
▲ 0.50% · 4.625%
HK$41,722
+HK$2,393/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$78,658/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,171
−HK$2,224/mo
▼ 0.25% · 3.875%
HK$42,275
−HK$1,120/mo
Today · 4.125%
HK$43,395
baseline
▲ 0.50% · 4.625%
HK$45,683
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.11M · min. income ≈ HK$86,790/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,176
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,519
−HK$1,365/mo
Today · 4.125%
HK$45,884
baseline
▲ 0.50% · 4.625%
HK$48,675
+HK$2,791/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,768/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,033
−HK$2,595/mo
▼ 0.25% · 3.875%
HK$49,321
−HK$1,307/mo
Today · 4.125%
HK$50,628
baseline
▲ 0.50% · 4.625%
HK$53,297
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,256/mo (50% DSR)
Upfront cash ≈ HK$4.56M (deposit + AVD stamp duty HK$507,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,512
−HK$3,481/mo
▼ 0.25% · 3.875%
HK$57,239
−HK$1,754/mo
Today · 4.125%
HK$58,993
baseline
▲ 0.50% · 4.625%
HK$62,583
+HK$3,590/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$117,986/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,757
−HK$3,336/mo
▼ 0.25% · 3.875%
HK$63,413
−HK$1,680/mo
Today · 4.125%
HK$65,093
baseline
▲ 0.50% · 4.625%
HK$68,524
+HK$3,431/mo
Deposit HK$1.35M · loan HK$12.17M · min. income ≈ HK$130,186/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,181 · Scale 2, in force from 26 Feb 2026)