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$30,857
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,817
−HK$975/mo
Today · 4.125%
HK$32,792
baseline
▲ 0.50% · 4.625%
HK$34,787
+HK$1,995/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,584/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,328
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,249
−HK$934/mo
Today · 4.125%
HK$36,183
baseline
▲ 0.50% · 4.625%
HK$38,090
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,366/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,029
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,180
−HK$1,171/mo
Today · 4.125%
HK$39,351
baseline
▲ 0.50% · 4.625%
HK$41,745
+HK$2,394/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,702/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,194
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,299
−HK$1,120/mo
Today · 4.125%
HK$43,419
baseline
▲ 0.50% · 4.625%
HK$45,708
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,838/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,200
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,544
−HK$1,365/mo
Today · 4.125%
HK$45,909
baseline
▲ 0.50% · 4.625%
HK$48,702
+HK$2,793/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,818/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,060
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,348
−HK$1,308/mo
Today · 4.125%
HK$50,656
baseline
▲ 0.50% · 4.625%
HK$53,326
+HK$2,670/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,312/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,543
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,271
−HK$1,755/mo
Today · 4.125%
HK$59,026
baseline
▲ 0.50% · 4.625%
HK$62,617
+HK$3,591/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,052/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,791
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,448
−HK$1,681/mo
Today · 4.125%
HK$65,129
baseline
▲ 0.50% · 4.625%
HK$68,562
+HK$3,433/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,258/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,462 · Scale 2, in force from 26 Feb 2026)