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$30,880
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,841
−HK$976/mo
Today · 4.125%
HK$32,817
baseline
▲ 0.50% · 4.625%
HK$34,814
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,634/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,354
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,275
−HK$935/mo
Today · 4.125%
HK$36,210
baseline
▲ 0.50% · 4.625%
HK$38,119
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,420/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,056
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,209
−HK$1,171/mo
Today · 4.125%
HK$39,380
baseline
▲ 0.50% · 4.625%
HK$41,776
+HK$2,396/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,760/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,225
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,331
−HK$1,121/mo
Today · 4.125%
HK$43,452
baseline
▲ 0.50% · 4.625%
HK$45,743
+HK$2,291/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,904/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,233
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,577
−HK$1,367/mo
Today · 4.125%
HK$45,944
baseline
▲ 0.50% · 4.625%
HK$48,739
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,888/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,096
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,386
−HK$1,308/mo
Today · 4.125%
HK$50,694
baseline
▲ 0.50% · 4.625%
HK$53,366
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,388/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,585
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,314
−HK$1,756/mo
Today · 4.125%
HK$59,070
baseline
▲ 0.50% · 4.625%
HK$62,665
+HK$3,595/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,140/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,837
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,496
−HK$1,682/mo
Today · 4.125%
HK$65,178
baseline
▲ 0.50% · 4.625%
HK$68,614
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,356/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,844 · Scale 2, in force from 26 Feb 2026)