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$30,856
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,816
−HK$975/mo
Today · 4.125%
HK$32,791
baseline
▲ 0.50% · 4.625%
HK$34,786
+HK$1,995/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,582/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,327
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,248
−HK$934/mo
Today · 4.125%
HK$36,182
baseline
▲ 0.50% · 4.625%
HK$38,089
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,364/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,027
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,179
−HK$1,170/mo
Today · 4.125%
HK$39,349
baseline
▲ 0.50% · 4.625%
HK$41,744
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,698/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,193
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,297
−HK$1,121/mo
Today · 4.125%
HK$43,418
baseline
▲ 0.50% · 4.625%
HK$45,707
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,836/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,199
−HK$2,709/mo
▼ 0.25% · 3.875%
HK$44,542
−HK$1,366/mo
Today · 4.125%
HK$45,908
baseline
▲ 0.50% · 4.625%
HK$48,701
+HK$2,793/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,816/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,058
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,347
−HK$1,308/mo
Today · 4.125%
HK$50,655
baseline
▲ 0.50% · 4.625%
HK$53,325
+HK$2,670/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,310/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,541
−HK$3,483/mo
▼ 0.25% · 3.875%
HK$57,269
−HK$1,755/mo
Today · 4.125%
HK$59,024
baseline
▲ 0.50% · 4.625%
HK$62,616
+HK$3,592/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,048/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,789
−HK$3,338/mo
▼ 0.25% · 3.875%
HK$63,446
−HK$1,681/mo
Today · 4.125%
HK$65,127
baseline
▲ 0.50% · 4.625%
HK$68,560
+HK$3,433/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,254/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,447 · Scale 2, in force from 26 Feb 2026)