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$30,866
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,826
−HK$975/mo
Today · 4.125%
HK$32,801
baseline
▲ 0.50% · 4.625%
HK$34,797
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,602/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,338
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,259
−HK$934/mo
Today · 4.125%
HK$36,193
baseline
▲ 0.50% · 4.625%
HK$38,101
+HK$1,908/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,386/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,039
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,191
−HK$1,171/mo
Today · 4.125%
HK$39,362
baseline
▲ 0.50% · 4.625%
HK$41,757
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,724/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,206
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,311
−HK$1,121/mo
Today · 4.125%
HK$43,432
baseline
▲ 0.50% · 4.625%
HK$45,721
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,864/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,212
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,556
−HK$1,366/mo
Today · 4.125%
HK$45,922
baseline
▲ 0.50% · 4.625%
HK$48,716
+HK$2,794/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,844/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,073
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,363
−HK$1,307/mo
Today · 4.125%
HK$50,670
baseline
▲ 0.50% · 4.625%
HK$53,341
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,340/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,559
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,287
−HK$1,756/mo
Today · 4.125%
HK$59,043
baseline
▲ 0.50% · 4.625%
HK$62,635
+HK$3,592/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,086/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,606 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,808
−HK$3,340/mo
▼ 0.25% · 3.875%
HK$63,466
−HK$1,682/mo
Today · 4.125%
HK$65,148
baseline
▲ 0.50% · 4.625%
HK$68,582
+HK$3,434/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,296/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,606 · Scale 2, in force from 26 Feb 2026)