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$30,883
−HK$1,937/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$507,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,357
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,278
−HK$935/mo
Today · 4.125%
HK$36,213
baseline
▲ 0.50% · 4.625%
HK$38,122
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,426/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,060
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,212
−HK$1,172/mo
Today · 4.125%
HK$39,384
baseline
▲ 0.50% · 4.625%
HK$41,780
+HK$2,396/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$507,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,228
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,334
−HK$1,122/mo
Today · 4.125%
HK$43,456
baseline
▲ 0.50% · 4.625%
HK$45,746
+HK$2,290/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,912/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,236
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,581
−HK$1,366/mo
Today · 4.125%
HK$45,947
baseline
▲ 0.50% · 4.625%
HK$48,743
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,894/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,100
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,390
−HK$1,309/mo
Today · 4.125%
HK$50,699
baseline
▲ 0.50% · 4.625%
HK$53,371
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,398/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,589
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,319
−HK$1,756/mo
Today · 4.125%
HK$59,075
baseline
▲ 0.50% · 4.625%
HK$62,670
+HK$3,595/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,150/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,887 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,843
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,501
−HK$1,683/mo
Today · 4.125%
HK$65,184
baseline
▲ 0.50% · 4.625%
HK$68,620
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,368/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,887 · Scale 2, in force from 26 Feb 2026)