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$30,895
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,856
−HK$976/mo
Today · 4.125%
HK$32,832
baseline
▲ 0.50% · 4.625%
HK$34,830
+HK$1,998/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,664/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,370
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,292
−HK$935/mo
Today · 4.125%
HK$36,227
baseline
▲ 0.50% · 4.625%
HK$38,137
+HK$1,910/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,454/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,074
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,227
−HK$1,172/mo
Today · 4.125%
HK$39,399
baseline
▲ 0.50% · 4.625%
HK$41,796
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,798/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,244
−HK$2,229/mo
▼ 0.25% · 3.875%
HK$42,351
−HK$1,122/mo
Today · 4.125%
HK$43,473
baseline
▲ 0.50% · 4.625%
HK$45,764
+HK$2,291/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,946/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,253
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,598
−HK$1,367/mo
Today · 4.125%
HK$45,965
baseline
▲ 0.50% · 4.625%
HK$48,762
+HK$2,797/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,930/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,118
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,409
−HK$1,309/mo
Today · 4.125%
HK$50,718
baseline
▲ 0.50% · 4.625%
HK$53,392
+HK$2,674/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,436/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,611
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,341
−HK$1,757/mo
Today · 4.125%
HK$59,098
baseline
▲ 0.50% · 4.625%
HK$62,694
+HK$3,596/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,196/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,867
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,526
−HK$1,683/mo
Today · 4.125%
HK$65,209
baseline
▲ 0.50% · 4.625%
HK$68,646
+HK$3,437/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,418/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,084 · Scale 2, in force from 26 Feb 2026)