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$30,864
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,824
−HK$975/mo
Today · 4.125%
HK$32,799
baseline
▲ 0.50% · 4.625%
HK$34,795
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,598/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,336
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,257
−HK$934/mo
Today · 4.125%
HK$36,191
baseline
▲ 0.50% · 4.625%
HK$38,098
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,382/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,037
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,189
−HK$1,170/mo
Today · 4.125%
HK$39,359
baseline
▲ 0.50% · 4.625%
HK$41,754
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,718/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,203
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,308
−HK$1,121/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$45,718
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,209
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,554
−HK$1,365/mo
Today · 4.125%
HK$45,919
baseline
▲ 0.50% · 4.625%
HK$48,713
+HK$2,794/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,838/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,070
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,359
−HK$1,308/mo
Today · 4.125%
HK$50,667
baseline
▲ 0.50% · 4.625%
HK$53,338
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,334/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,555
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,283
−HK$1,756/mo
Today · 4.125%
HK$59,039
baseline
▲ 0.50% · 4.625%
HK$62,631
+HK$3,592/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,078/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,573 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,804
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,462
−HK$1,681/mo
Today · 4.125%
HK$65,143
baseline
▲ 0.50% · 4.625%
HK$68,577
+HK$3,434/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,286/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,573 · Scale 2, in force from 26 Feb 2026)