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$30,852
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,812
−HK$975/mo
Today · 4.125%
HK$32,787
baseline
▲ 0.50% · 4.625%
HK$34,782
+HK$1,995/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,574/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,323
−HK$1,854/mo
▼ 0.25% · 3.875%
HK$35,243
−HK$934/mo
Today · 4.125%
HK$36,177
baseline
▲ 0.50% · 4.625%
HK$38,084
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,354/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,022
−HK$2,322/mo
▼ 0.25% · 3.875%
HK$38,174
−HK$1,170/mo
Today · 4.125%
HK$39,344
baseline
▲ 0.50% · 4.625%
HK$41,738
+HK$2,394/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,688/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,187
−HK$2,225/mo
▼ 0.25% · 3.875%
HK$42,292
−HK$1,120/mo
Today · 4.125%
HK$43,412
baseline
▲ 0.50% · 4.625%
HK$45,701
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,824/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,193
−HK$2,708/mo
▼ 0.25% · 3.875%
HK$44,536
−HK$1,365/mo
Today · 4.125%
HK$45,901
baseline
▲ 0.50% · 4.625%
HK$48,694
+HK$2,793/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,802/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,052
−HK$2,596/mo
▼ 0.25% · 3.875%
HK$49,340
−HK$1,308/mo
Today · 4.125%
HK$50,648
baseline
▲ 0.50% · 4.625%
HK$53,317
+HK$2,669/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,296/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,534
−HK$3,482/mo
▼ 0.25% · 3.875%
HK$57,261
−HK$1,755/mo
Today · 4.125%
HK$59,016
baseline
▲ 0.50% · 4.625%
HK$62,607
+HK$3,591/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,032/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,781
−HK$3,337/mo
▼ 0.25% · 3.875%
HK$63,437
−HK$1,681/mo
Today · 4.125%
HK$65,118
baseline
▲ 0.50% · 4.625%
HK$68,551
+HK$3,433/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,236/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,377 · Scale 2, in force from 26 Feb 2026)