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$30,874
−HK$1,936/mo
▼ 0.25% · 3.875%
HK$31,834
−HK$976/mo
Today · 4.125%
HK$32,810
baseline
▲ 0.50% · 4.625%
HK$34,806
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,620/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,347
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,268
−HK$934/mo
Today · 4.125%
HK$36,202
baseline
▲ 0.50% · 4.625%
HK$38,111
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,404/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,049
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,201
−HK$1,171/mo
Today · 4.125%
HK$39,372
baseline
▲ 0.50% · 4.625%
HK$41,768
+HK$2,396/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$78,744/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,216
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,322
−HK$1,121/mo
Today · 4.125%
HK$43,443
baseline
▲ 0.50% · 4.625%
HK$45,733
+HK$2,290/mo
Deposit HK$5.42M · loan HK$8.12M · min. income ≈ HK$86,886/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,223
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,568
−HK$1,366/mo
Today · 4.125%
HK$45,934
baseline
▲ 0.50% · 4.625%
HK$48,729
+HK$2,795/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,868/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,086
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,375
−HK$1,308/mo
Today · 4.125%
HK$50,683
baseline
▲ 0.50% · 4.625%
HK$53,355
+HK$2,672/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,366/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,573
−HK$3,485/mo
▼ 0.25% · 3.875%
HK$57,302
−HK$1,756/mo
Today · 4.125%
HK$59,058
baseline
▲ 0.50% · 4.625%
HK$62,651
+HK$3,593/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,116/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,824
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,482
−HK$1,682/mo
Today · 4.125%
HK$65,164
baseline
▲ 0.50% · 4.625%
HK$68,599
+HK$3,435/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,328/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,737 · Scale 2, in force from 26 Feb 2026)