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$30,875
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,836
−HK$975/mo
Today · 4.125%
HK$32,811
baseline
▲ 0.50% · 4.625%
HK$34,808
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,622/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,348
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,270
−HK$934/mo
Today · 4.125%
HK$36,204
baseline
▲ 0.50% · 4.625%
HK$38,113
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,408/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,050
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,203
−HK$1,171/mo
Today · 4.125%
HK$39,374
baseline
▲ 0.50% · 4.625%
HK$41,769
+HK$2,395/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$507,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,218
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,324
−HK$1,121/mo
Today · 4.125%
HK$43,445
baseline
▲ 0.50% · 4.625%
HK$45,735
+HK$2,290/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$86,890/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,225
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,570
−HK$1,366/mo
Today · 4.125%
HK$45,936
baseline
▲ 0.50% · 4.625%
HK$48,731
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,872/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,088
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,377
−HK$1,309/mo
Today · 4.125%
HK$50,686
baseline
▲ 0.50% · 4.625%
HK$53,358
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,372/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,575
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,304
−HK$1,757/mo
Today · 4.125%
HK$59,061
baseline
▲ 0.50% · 4.625%
HK$62,654
+HK$3,593/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,122/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,760 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,827
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,485
−HK$1,682/mo
Today · 4.125%
HK$65,167
baseline
▲ 0.50% · 4.625%
HK$68,603
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,334/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,760 · Scale 2, in force from 26 Feb 2026)