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$30,882
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,842
−HK$976/mo
Today · 4.125%
HK$32,818
baseline
▲ 0.50% · 4.625%
HK$34,815
+HK$1,997/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,636/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,355
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,277
−HK$935/mo
Today · 4.125%
HK$36,212
baseline
▲ 0.50% · 4.625%
HK$38,120
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,424/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,058
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,211
−HK$1,171/mo
Today · 4.125%
HK$39,382
baseline
▲ 0.50% · 4.625%
HK$41,778
+HK$2,396/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,764/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,227
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,332
−HK$1,122/mo
Today · 4.125%
HK$43,454
baseline
▲ 0.50% · 4.625%
HK$45,744
+HK$2,290/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,908/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,234
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,579
−HK$1,366/mo
Today · 4.125%
HK$45,945
baseline
▲ 0.50% · 4.625%
HK$48,741
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,890/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,098
−HK$2,598/mo
▼ 0.25% · 3.875%
HK$49,388
−HK$1,308/mo
Today · 4.125%
HK$50,696
baseline
▲ 0.50% · 4.625%
HK$53,369
+HK$2,673/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,392/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,587
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,316
−HK$1,757/mo
Today · 4.125%
HK$59,073
baseline
▲ 0.50% · 4.625%
HK$62,667
+HK$3,594/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,146/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,840
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,498
−HK$1,683/mo
Today · 4.125%
HK$65,181
baseline
▲ 0.50% · 4.625%
HK$68,617
+HK$3,436/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,362/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,865 · Scale 2, in force from 26 Feb 2026)