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$30,865
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,825
−HK$975/mo
Today · 4.125%
HK$32,800
baseline
▲ 0.50% · 4.625%
HK$34,796
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,600/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,337
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,258
−HK$934/mo
Today · 4.125%
HK$36,192
baseline
▲ 0.50% · 4.625%
HK$38,100
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,384/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,038
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,190
−HK$1,170/mo
Today · 4.125%
HK$39,360
baseline
▲ 0.50% · 4.625%
HK$41,755
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,720/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,204
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,309
−HK$1,121/mo
Today · 4.125%
HK$43,430
baseline
▲ 0.50% · 4.625%
HK$45,720
+HK$2,290/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,860/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,211
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,555
−HK$1,365/mo
Today · 4.125%
HK$45,920
baseline
▲ 0.50% · 4.625%
HK$48,715
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,840/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,071
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,361
−HK$1,308/mo
Today · 4.125%
HK$50,669
baseline
▲ 0.50% · 4.625%
HK$53,339
+HK$2,670/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,338/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,557
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,285
−HK$1,756/mo
Today · 4.125%
HK$59,041
baseline
▲ 0.50% · 4.625%
HK$62,633
+HK$3,592/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,082/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,806
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,464
−HK$1,681/mo
Today · 4.125%
HK$65,145
baseline
▲ 0.50% · 4.625%
HK$68,579
+HK$3,434/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,290/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,588 · Scale 2, in force from 26 Feb 2026)