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$30,863
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$976/mo
Today · 4.125%
HK$32,799
baseline
▲ 0.50% · 4.625%
HK$34,795
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,598/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,335
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,256
−HK$934/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,098
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,036
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,188
−HK$1,171/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,202
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,307
−HK$1,121/mo
Today · 4.125%
HK$43,428
baseline
▲ 0.50% · 4.625%
HK$45,718
+HK$2,290/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,856/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,209
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,553
−HK$1,365/mo
Today · 4.125%
HK$45,918
baseline
▲ 0.50% · 4.625%
HK$48,712
+HK$2,794/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,836/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,069
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,359
−HK$1,307/mo
Today · 4.125%
HK$50,666
baseline
▲ 0.50% · 4.625%
HK$53,337
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,332/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,554
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,282
−HK$1,756/mo
Today · 4.125%
HK$59,038
baseline
▲ 0.50% · 4.625%
HK$62,630
+HK$3,592/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,076/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,566 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,803
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,461
−HK$1,682/mo
Today · 4.125%
HK$65,143
baseline
▲ 0.50% · 4.625%
HK$68,576
+HK$3,433/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,286/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,566 · Scale 2, in force from 26 Feb 2026)