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$507,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,363
−HK$1,856/mo
▼ 0.25% · 3.875%
HK$35,284
−HK$935/mo
Today · 4.125%
HK$36,219
baseline
▲ 0.50% · 4.625%
HK$38,129
+HK$1,910/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,438/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$507,974 · 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$507,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,235
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,341
−HK$1,122/mo
Today · 4.125%
HK$43,463
baseline
▲ 0.50% · 4.625%
HK$45,754
+HK$2,291/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$507,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,244
−HK$2,711/mo
▼ 0.25% · 3.875%
HK$44,589
−HK$1,366/mo
Today · 4.125%
HK$45,955
baseline
▲ 0.50% · 4.625%
HK$48,752
+HK$2,797/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,910/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,108
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,398
−HK$1,309/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$507,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,599
−HK$3,486/mo
▼ 0.25% · 3.875%
HK$57,328
−HK$1,757/mo
Today · 4.125%
HK$59,085
baseline
▲ 0.50% · 4.625%
HK$62,681
+HK$3,596/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,170/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,974 · 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$68,631
+HK$3,436/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$507,974 · Scale 2, in force from 26 Feb 2026)