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$1,936/mo
▼ 0.25% · 3.875%
HK$31,843
−HK$976/mo
Today · 4.125%
HK$32,819
baseline
▲ 0.50% · 4.625%
HK$34,816
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,638/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,881 · 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$507,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,059
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,212
−HK$1,171/mo
Today · 4.125%
HK$39,383
baseline
▲ 0.50% · 4.625%
HK$41,779
+HK$2,396/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,766/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,228
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,334
−HK$1,121/mo
Today · 4.125%
HK$43,455
baseline
▲ 0.50% · 4.625%
HK$45,746
+HK$2,291/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,910/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,236
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,580
−HK$1,367/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$507,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,099
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,389
−HK$1,309/mo
Today · 4.125%
HK$50,698
baseline
▲ 0.50% · 4.625%
HK$53,370
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,396/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,589
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,318
−HK$1,757/mo
Today · 4.125%
HK$59,075
baseline
▲ 0.50% · 4.625%
HK$62,669
+HK$3,594/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$507,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,842
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,500
−HK$1,683/mo
Today · 4.125%
HK$65,183
baseline
▲ 0.50% · 4.625%
HK$68,619
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,366/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,881 · Scale 2, in force from 26 Feb 2026)