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$30,869
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,829
−HK$975/mo
Today · 4.125%
HK$32,804
baseline
▲ 0.50% · 4.625%
HK$34,800
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,608/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,341
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,262
−HK$934/mo
Today · 4.125%
HK$36,196
baseline
▲ 0.50% · 4.625%
HK$38,104
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,392/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,042
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,195
−HK$1,170/mo
Today · 4.125%
HK$39,365
baseline
▲ 0.50% · 4.625%
HK$41,760
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,730/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,209
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,314
−HK$1,122/mo
Today · 4.125%
HK$43,436
baseline
▲ 0.50% · 4.625%
HK$45,725
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,872/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,216
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,560
−HK$1,366/mo
Today · 4.125%
HK$45,926
baseline
▲ 0.50% · 4.625%
HK$48,721
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,852/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,077
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,367
−HK$1,308/mo
Today · 4.125%
HK$50,675
baseline
▲ 0.50% · 4.625%
HK$53,346
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,350/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,563
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,292
−HK$1,756/mo
Today · 4.125%
HK$59,048
baseline
▲ 0.50% · 4.625%
HK$62,641
+HK$3,593/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,096/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,650 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,814
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,472
−HK$1,681/mo
Today · 4.125%
HK$65,153
baseline
▲ 0.50% · 4.625%
HK$68,588
+HK$3,435/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,306/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,650 · Scale 2, in force from 26 Feb 2026)