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$1,937/mo
▼ 0.25% · 3.875%
HK$31,845
−HK$976/mo
Today · 4.125%
HK$32,821
baseline
▲ 0.50% · 4.625%
HK$34,818
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,642/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,359
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,280
−HK$935/mo
Today · 4.125%
HK$36,215
baseline
▲ 0.50% · 4.625%
HK$38,124
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,430/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,061
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,214
−HK$1,171/mo
Today · 4.125%
HK$39,385
baseline
▲ 0.50% · 4.625%
HK$41,782
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,770/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,230
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,336
−HK$1,122/mo
Today · 4.125%
HK$43,458
baseline
▲ 0.50% · 4.625%
HK$45,749
+HK$2,291/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,916/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,238
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,583
−HK$1,367/mo
Today · 4.125%
HK$45,950
baseline
▲ 0.50% · 4.625%
HK$48,746
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,900/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,102
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,392
−HK$1,309/mo
Today · 4.125%
HK$50,701
baseline
▲ 0.50% · 4.625%
HK$53,373
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,402/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,592
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,321
−HK$1,757/mo
Today · 4.125%
HK$59,078
baseline
▲ 0.50% · 4.625%
HK$62,673
+HK$3,595/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,156/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,846
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,504
−HK$1,683/mo
Today · 4.125%
HK$65,187
baseline
▲ 0.50% · 4.625%
HK$68,623
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,374/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,912 · Scale 2, in force from 26 Feb 2026)