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$30,897
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,858
−HK$977/mo
Today · 4.125%
HK$32,835
baseline
▲ 0.50% · 4.625%
HK$34,833
+HK$1,998/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,670/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,373
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,295
−HK$935/mo
Today · 4.125%
HK$36,230
baseline
▲ 0.50% · 4.625%
HK$38,140
+HK$1,910/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,460/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,077
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,230
−HK$1,172/mo
Today · 4.125%
HK$39,402
baseline
▲ 0.50% · 4.625%
HK$41,799
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,804/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,248
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,354
−HK$1,122/mo
Today · 4.125%
HK$43,476
baseline
▲ 0.50% · 4.625%
HK$45,768
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,952/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,256
−HK$2,713/mo
▼ 0.25% · 3.875%
HK$44,602
−HK$1,367/mo
Today · 4.125%
HK$45,969
baseline
▲ 0.50% · 4.625%
HK$48,766
+HK$2,797/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,938/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,122
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,413
−HK$1,309/mo
Today · 4.125%
HK$50,722
baseline
▲ 0.50% · 4.625%
HK$53,396
+HK$2,674/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,444/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,615
−HK$3,488/mo
▼ 0.25% · 3.875%
HK$57,345
−HK$1,758/mo
Today · 4.125%
HK$59,103
baseline
▲ 0.50% · 4.625%
HK$62,699
+HK$3,596/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,206/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,871
−HK$3,343/mo
▼ 0.25% · 3.875%
HK$63,531
−HK$1,683/mo
Today · 4.125%
HK$65,214
baseline
▲ 0.50% · 4.625%
HK$68,652
+HK$3,438/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,428/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,123 · Scale 2, in force from 26 Feb 2026)