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$30,854
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,814
−HK$975/mo
Today · 4.125%
HK$32,789
baseline
▲ 0.50% · 4.625%
HK$34,784
+HK$1,995/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,578/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,325
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,245
−HK$934/mo
Today · 4.125%
HK$36,179
baseline
▲ 0.50% · 4.625%
HK$38,086
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,358/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,025
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,176
−HK$1,171/mo
Today · 4.125%
HK$39,347
baseline
▲ 0.50% · 4.625%
HK$41,741
+HK$2,394/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,694/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,190
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,294
−HK$1,121/mo
Today · 4.125%
HK$43,415
baseline
▲ 0.50% · 4.625%
HK$45,703
+HK$2,288/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,830/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,196
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,539
−HK$1,365/mo
Today · 4.125%
HK$45,904
baseline
▲ 0.50% · 4.625%
HK$48,697
+HK$2,793/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,808/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,055
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,343
−HK$1,308/mo
Today · 4.125%
HK$50,651
baseline
▲ 0.50% · 4.625%
HK$53,321
+HK$2,670/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,302/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,537
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,265
−HK$1,755/mo
Today · 4.125%
HK$59,020
baseline
▲ 0.50% · 4.625%
HK$62,611
+HK$3,591/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,040/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,410 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,784
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,441
−HK$1,681/mo
Today · 4.125%
HK$65,122
baseline
▲ 0.50% · 4.625%
HK$68,555
+HK$3,433/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,244/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,410 · Scale 2, in force from 26 Feb 2026)