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$30,860
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,820
−HK$975/mo
Today · 4.125%
HK$32,795
baseline
▲ 0.50% · 4.625%
HK$34,791
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,590/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,332
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,252
−HK$935/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$507,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,032
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,184
−HK$1,171/mo
Today · 4.125%
HK$39,355
baseline
▲ 0.50% · 4.625%
HK$41,749
+HK$2,394/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$507,513 · 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$507,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,204
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,548
−HK$1,366/mo
Today · 4.125%
HK$45,914
baseline
▲ 0.50% · 4.625%
HK$48,707
+HK$2,793/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$507,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,064
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,353
−HK$1,308/mo
Today · 4.125%
HK$50,661
baseline
▲ 0.50% · 4.625%
HK$53,332
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,322/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,548
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,276
−HK$1,756/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$507,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,797
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,454
−HK$1,682/mo
Today · 4.125%
HK$65,136
baseline
▲ 0.50% · 4.625%
HK$68,569
+HK$3,433/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$507,513 · Scale 2, in force from 26 Feb 2026)