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$30,894
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,855
−HK$976/mo
Today · 4.125%
HK$32,831
baseline
▲ 0.50% · 4.625%
HK$34,829
+HK$1,998/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,662/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,369
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,291
−HK$935/mo
Today · 4.125%
HK$36,226
baseline
▲ 0.50% · 4.625%
HK$38,136
+HK$1,910/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,452/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,073
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,226
−HK$1,171/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,795
+HK$2,398/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,794/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,243
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,349
−HK$1,122/mo
Today · 4.125%
HK$43,471
baseline
▲ 0.50% · 4.625%
HK$45,763
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,942/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,251
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,597
−HK$1,367/mo
Today · 4.125%
HK$45,964
baseline
▲ 0.50% · 4.625%
HK$48,760
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,928/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,117
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,407
−HK$1,309/mo
Today · 4.125%
HK$50,716
baseline
▲ 0.50% · 4.625%
HK$53,390
+HK$2,674/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,432/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,609
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,339
−HK$1,757/mo
Today · 4.125%
HK$59,096
baseline
▲ 0.50% · 4.625%
HK$62,692
+HK$3,596/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,192/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,864
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,524
−HK$1,683/mo
Today · 4.125%
HK$65,207
baseline
▲ 0.50% · 4.625%
HK$68,644
+HK$3,437/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,414/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,066 · Scale 2, in force from 26 Feb 2026)