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$30,861
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,821
−HK$975/mo
Today · 4.125%
HK$32,796
baseline
▲ 0.50% · 4.625%
HK$34,791
+HK$1,995/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,592/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,332
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,253
−HK$934/mo
Today · 4.125%
HK$36,187
baseline
▲ 0.50% · 4.625%
HK$38,094
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,374/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,033
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,185
−HK$1,170/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,750
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,710/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,198
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,303
−HK$1,121/mo
Today · 4.125%
HK$43,424
baseline
▲ 0.50% · 4.625%
HK$45,713
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,848/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,205
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,549
−HK$1,365/mo
Today · 4.125%
HK$45,914
baseline
▲ 0.50% · 4.625%
HK$48,708
+HK$2,794/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,828/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,065
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,354
−HK$1,308/mo
Today · 4.125%
HK$50,662
baseline
▲ 0.50% · 4.625%
HK$53,332
+HK$2,670/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,324/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,549
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,277
−HK$1,755/mo
Today · 4.125%
HK$59,032
baseline
▲ 0.50% · 4.625%
HK$62,624
+HK$3,592/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,064/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,798
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,455
−HK$1,681/mo
Today · 4.125%
HK$65,136
baseline
▲ 0.50% · 4.625%
HK$68,570
+HK$3,434/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,272/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,519 · Scale 2, in force from 26 Feb 2026)