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$30,871
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,831
−HK$976/mo
Today · 4.125%
HK$32,807
baseline
▲ 0.50% · 4.625%
HK$34,803
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,614/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,343
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,264
−HK$935/mo
Today · 4.125%
HK$36,199
baseline
▲ 0.50% · 4.625%
HK$38,107
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,398/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,045
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,197
−HK$1,171/mo
Today · 4.125%
HK$39,368
baseline
▲ 0.50% · 4.625%
HK$41,763
+HK$2,395/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$78,736/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,212
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,317
−HK$1,122/mo
Today · 4.125%
HK$43,439
baseline
▲ 0.50% · 4.625%
HK$45,728
+HK$2,289/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$86,878/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,219
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,563
−HK$1,366/mo
Today · 4.125%
HK$45,929
baseline
▲ 0.50% · 4.625%
HK$48,724
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,858/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,081
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,370
−HK$1,308/mo
Today · 4.125%
HK$50,678
baseline
▲ 0.50% · 4.625%
HK$53,350
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,356/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,567
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,296
−HK$1,756/mo
Today · 4.125%
HK$59,052
baseline
▲ 0.50% · 4.625%
HK$62,645
+HK$3,593/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,104/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,818
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,476
−HK$1,682/mo
Today · 4.125%
HK$65,158
baseline
▲ 0.50% · 4.625%
HK$68,592
+HK$3,434/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,316/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,685 · Scale 2, in force from 26 Feb 2026)