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$30,894
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,855
−HK$976/mo
Today · 4.125%
HK$32,831
baseline
▲ 0.50% · 4.625%
HK$34,829
+HK$1,998/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,662/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,369
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,291
−HK$935/mo
Today · 4.125%
HK$36,226
baseline
▲ 0.50% · 4.625%
HK$38,135
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,452/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,072
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,225
−HK$1,172/mo
Today · 4.125%
HK$39,397
baseline
▲ 0.50% · 4.625%
HK$41,794
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,794/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,243
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,349
−HK$1,122/mo
Today · 4.125%
HK$43,471
baseline
▲ 0.50% · 4.625%
HK$45,762
+HK$2,291/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,942/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,251
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,596
−HK$1,367/mo
Today · 4.125%
HK$45,963
baseline
▲ 0.50% · 4.625%
HK$48,760
+HK$2,797/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,926/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,116
−HK$2,600/mo
▼ 0.25% · 3.875%
HK$49,407
−HK$1,309/mo
Today · 4.125%
HK$50,716
baseline
▲ 0.50% · 4.625%
HK$53,389
+HK$2,673/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,432/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,609
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,338
−HK$1,758/mo
Today · 4.125%
HK$59,096
baseline
▲ 0.50% · 4.625%
HK$62,691
+HK$3,595/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,192/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,864
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,523
−HK$1,683/mo
Today · 4.125%
HK$65,206
baseline
▲ 0.50% · 4.625%
HK$68,643
+HK$3,437/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,412/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,062 · Scale 2, in force from 26 Feb 2026)