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$30,888
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,849
−HK$976/mo
Today · 4.125%
HK$32,825
baseline
▲ 0.50% · 4.625%
HK$34,823
+HK$1,998/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,650/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,363
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,285
−HK$935/mo
Today · 4.125%
HK$36,220
baseline
▲ 0.50% · 4.625%
HK$38,129
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,440/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,066
−HK$2,324/mo
▼ 0.25% · 3.875%
HK$38,219
−HK$1,171/mo
Today · 4.125%
HK$39,390
baseline
▲ 0.50% · 4.625%
HK$41,787
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,780/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,236
−HK$2,227/mo
▼ 0.25% · 3.875%
HK$42,342
−HK$1,121/mo
Today · 4.125%
HK$43,463
baseline
▲ 0.50% · 4.625%
HK$45,755
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,926/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$507,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,244
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,589
−HK$1,367/mo
Today · 4.125%
HK$45,956
baseline
▲ 0.50% · 4.625%
HK$48,752
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,912/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,108
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,399
−HK$1,308/mo
Today · 4.125%
HK$50,707
baseline
▲ 0.50% · 4.625%
HK$53,380
+HK$2,673/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,414/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,599
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,329
−HK$1,757/mo
Today · 4.125%
HK$59,086
baseline
▲ 0.50% · 4.625%
HK$62,681
+HK$3,595/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,172/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,853
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,512
−HK$1,683/mo
Today · 4.125%
HK$65,195
baseline
▲ 0.50% · 4.625%
HK$68,632
+HK$3,437/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,390/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,976 · Scale 2, in force from 26 Feb 2026)