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$30,884
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,844
−HK$976/mo
Today · 4.125%
HK$32,820
baseline
▲ 0.50% · 4.625%
HK$34,817
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,640/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,358
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,279
−HK$935/mo
Today · 4.125%
HK$36,214
baseline
▲ 0.50% · 4.625%
HK$38,123
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,428/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,060
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,213
−HK$1,171/mo
Today · 4.125%
HK$39,384
baseline
▲ 0.50% · 4.625%
HK$41,781
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,768/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,229
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,335
−HK$1,122/mo
Today · 4.125%
HK$43,457
baseline
▲ 0.50% · 4.625%
HK$45,747
+HK$2,290/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,914/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,237
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,582
−HK$1,366/mo
Today · 4.125%
HK$45,948
baseline
▲ 0.50% · 4.625%
HK$48,744
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,896/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,101
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,391
−HK$1,309/mo
Today · 4.125%
HK$50,700
baseline
▲ 0.50% · 4.625%
HK$53,372
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,400/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,590
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,320
−HK$1,757/mo
Today · 4.125%
HK$59,077
baseline
▲ 0.50% · 4.625%
HK$62,671
+HK$3,594/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,154/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,844
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,502
−HK$1,683/mo
Today · 4.125%
HK$65,185
baseline
▲ 0.50% · 4.625%
HK$68,621
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,370/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,897 · Scale 2, in force from 26 Feb 2026)