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$30,878
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,839
−HK$976/mo
Today · 4.125%
HK$32,815
baseline
▲ 0.50% · 4.625%
HK$34,811
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,630/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,352
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,273
−HK$935/mo
Today · 4.125%
HK$36,208
baseline
▲ 0.50% · 4.625%
HK$38,116
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,416/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,054
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,207
−HK$1,171/mo
Today · 4.125%
HK$39,378
baseline
▲ 0.50% · 4.625%
HK$41,774
+HK$2,396/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$78,756/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,222
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,328
−HK$1,121/mo
Today · 4.125%
HK$43,449
baseline
▲ 0.50% · 4.625%
HK$45,740
+HK$2,291/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$86,898/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,230
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,574
−HK$1,366/mo
Today · 4.125%
HK$45,940
baseline
▲ 0.50% · 4.625%
HK$48,736
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,880/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,092
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,382
−HK$1,309/mo
Today · 4.125%
HK$50,691
baseline
▲ 0.50% · 4.625%
HK$53,363
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,382/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,581
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,310
−HK$1,756/mo
Today · 4.125%
HK$59,066
baseline
▲ 0.50% · 4.625%
HK$62,660
+HK$3,594/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,132/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,833
−HK$3,341/mo
▼ 0.25% · 3.875%
HK$63,492
−HK$1,682/mo
Today · 4.125%
HK$65,174
baseline
▲ 0.50% · 4.625%
HK$68,609
+HK$3,435/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,348/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,810 · Scale 2, in force from 26 Feb 2026)