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$1,934/mo
▼ 0.25% · 3.875%
HK$31,812
−HK$975/mo
Today · 4.125%
HK$32,787
baseline
▲ 0.50% · 4.625%
HK$34,782
+HK$1,995/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,574/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,323
−HK$1,855/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$507,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,023
−HK$2,322/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$507,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,188
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,293
−HK$1,120/mo
Today · 4.125%
HK$43,413
baseline
▲ 0.50% · 4.625%
HK$45,702
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,826/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,194
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,537
−HK$1,365/mo
Today · 4.125%
HK$45,902
baseline
▲ 0.50% · 4.625%
HK$48,695
+HK$2,793/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,804/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,053
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,341
−HK$1,308/mo
Today · 4.125%
HK$50,649
baseline
▲ 0.50% · 4.625%
HK$53,318
+HK$2,669/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$507,388 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,535
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,262
−HK$1,755/mo
Today · 4.125%
HK$59,017
baseline
▲ 0.50% · 4.625%
HK$62,608
+HK$3,591/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,034/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,388 · 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$68,552
+HK$3,432/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$507,388 · Scale 2, in force from 26 Feb 2026)