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$30,870
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,830
−HK$976/mo
Today · 4.125%
HK$32,806
baseline
▲ 0.50% · 4.625%
HK$34,802
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,612/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,342
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,264
−HK$934/mo
Today · 4.125%
HK$36,198
baseline
▲ 0.50% · 4.625%
HK$38,106
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,396/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,044
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,196
−HK$1,171/mo
Today · 4.125%
HK$39,367
baseline
▲ 0.50% · 4.625%
HK$41,762
+HK$2,395/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$78,734/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,211
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,316
−HK$1,121/mo
Today · 4.125%
HK$43,437
baseline
▲ 0.50% · 4.625%
HK$45,727
+HK$2,290/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$86,874/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,218
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,562
−HK$1,366/mo
Today · 4.125%
HK$45,928
baseline
▲ 0.50% · 4.625%
HK$48,723
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,856/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,079
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,369
−HK$1,308/mo
Today · 4.125%
HK$50,677
baseline
▲ 0.50% · 4.625%
HK$53,348
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,354/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,566
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,294
−HK$1,756/mo
Today · 4.125%
HK$59,050
baseline
▲ 0.50% · 4.625%
HK$62,643
+HK$3,593/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,100/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,673 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,816
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,474
−HK$1,682/mo
Today · 4.125%
HK$65,156
baseline
▲ 0.50% · 4.625%
HK$68,591
+HK$3,435/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,312/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,673 · Scale 2, in force from 26 Feb 2026)