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$30,879
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$976/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,812
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,352
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,274
−HK$934/mo
Today · 4.125%
HK$36,208
baseline
▲ 0.50% · 4.625%
HK$38,117
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,416/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,055
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,207
−HK$1,171/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,774
+HK$2,396/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,223
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,328
−HK$1,122/mo
Today · 4.125%
HK$43,450
baseline
▲ 0.50% · 4.625%
HK$45,740
+HK$2,290/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,900/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,230
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,575
−HK$1,366/mo
Today · 4.125%
HK$45,941
baseline
▲ 0.50% · 4.625%
HK$48,737
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,882/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,093
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,383
−HK$1,309/mo
Today · 4.125%
HK$50,692
baseline
▲ 0.50% · 4.625%
HK$53,364
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,384/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,582
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,311
−HK$1,756/mo
Today · 4.125%
HK$59,067
baseline
▲ 0.50% · 4.625%
HK$62,661
+HK$3,594/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,134/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,818 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,834
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,493
−HK$1,682/mo
Today · 4.125%
HK$65,175
baseline
▲ 0.50% · 4.625%
HK$68,610
+HK$3,435/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,350/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,818 · Scale 2, in force from 26 Feb 2026)