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$30,853
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,813
−HK$975/mo
Today · 4.125%
HK$32,788
baseline
▲ 0.50% · 4.625%
HK$34,783
+HK$1,995/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,576/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,324
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,244
−HK$934/mo
Today · 4.125%
HK$36,178
baseline
▲ 0.50% · 4.625%
HK$38,085
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,356/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,024
−HK$2,321/mo
▼ 0.25% · 3.875%
HK$38,175
−HK$1,170/mo
Today · 4.125%
HK$39,345
baseline
▲ 0.50% · 4.625%
HK$41,739
+HK$2,394/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,690/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,188
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,293
−HK$1,121/mo
Today · 4.125%
HK$43,414
baseline
▲ 0.50% · 4.625%
HK$45,702
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,828/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,194
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,538
−HK$1,365/mo
Today · 4.125%
HK$45,903
baseline
▲ 0.50% · 4.625%
HK$48,696
+HK$2,793/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,806/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,053
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,342
−HK$1,307/mo
Today · 4.125%
HK$50,649
baseline
▲ 0.50% · 4.625%
HK$53,319
+HK$2,670/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,298/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,535
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,263
−HK$1,755/mo
Today · 4.125%
HK$59,018
baseline
▲ 0.50% · 4.625%
HK$62,609
+HK$3,591/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,036/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,782
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,439
−HK$1,681/mo
Today · 4.125%
HK$65,120
baseline
▲ 0.50% · 4.625%
HK$68,553
+HK$3,433/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,240/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,393 · Scale 2, in force from 26 Feb 2026)