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$30,876
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$976/mo
Today · 4.125%
HK$32,812
baseline
▲ 0.50% · 4.625%
HK$34,809
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,624/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,349
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$935/mo
Today · 4.125%
HK$36,205
baseline
▲ 0.50% · 4.625%
HK$38,113
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,410/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,051
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,204
−HK$1,170/mo
Today · 4.125%
HK$39,374
baseline
▲ 0.50% · 4.625%
HK$41,770
+HK$2,396/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$78,748/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,219
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,324
−HK$1,122/mo
Today · 4.125%
HK$43,446
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,290/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$86,892/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,226
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,571
−HK$1,366/mo
Today · 4.125%
HK$45,937
baseline
▲ 0.50% · 4.625%
HK$48,732
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,874/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,089
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,378
−HK$1,309/mo
Today · 4.125%
HK$50,687
baseline
▲ 0.50% · 4.625%
HK$53,359
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,374/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,577
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,305
−HK$1,757/mo
Today · 4.125%
HK$59,062
baseline
▲ 0.50% · 4.625%
HK$62,655
+HK$3,593/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,124/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,828
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,487
−HK$1,682/mo
Today · 4.125%
HK$65,169
baseline
▲ 0.50% · 4.625%
HK$68,604
+HK$3,435/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,338/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,770 · Scale 2, in force from 26 Feb 2026)