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$30,890
−HK$1,938/mo
▼ 0.25% · 3.875%
HK$31,851
−HK$977/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,825
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,365
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,287
−HK$935/mo
Today · 4.125%
HK$36,222
baseline
▲ 0.50% · 4.625%
HK$38,131
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,444/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,069
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,222
−HK$1,171/mo
Today · 4.125%
HK$39,393
baseline
▲ 0.50% · 4.625%
HK$41,790
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,786/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,238
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,344
−HK$1,122/mo
Today · 4.125%
HK$43,466
baseline
▲ 0.50% · 4.625%
HK$45,758
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,932/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,247
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,592
−HK$1,367/mo
Today · 4.125%
HK$45,959
baseline
▲ 0.50% · 4.625%
HK$48,755
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,918/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,111
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,402
−HK$1,309/mo
Today · 4.125%
HK$50,711
baseline
▲ 0.50% · 4.625%
HK$53,384
+HK$2,673/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,422/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,603
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,332
−HK$1,758/mo
Today · 4.125%
HK$59,090
baseline
▲ 0.50% · 4.625%
HK$62,685
+HK$3,595/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,180/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,858
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,517
−HK$1,683/mo
Today · 4.125%
HK$65,200
baseline
▲ 0.50% · 4.625%
HK$68,636
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,400/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,011 · Scale 2, in force from 26 Feb 2026)