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$30,863
−HK$1,935/mo
▼ 0.25% · 3.875%
HK$31,823
−HK$975/mo
Today · 4.125%
HK$32,798
baseline
▲ 0.50% · 4.625%
HK$34,794
+HK$1,996/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,596/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,335
−HK$1,855/mo
▼ 0.25% · 3.875%
HK$35,255
−HK$935/mo
Today · 4.125%
HK$36,190
baseline
▲ 0.50% · 4.625%
HK$38,097
+HK$1,907/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,380/mo (50% DSR)
Upfront cash ≈ HK$7.27M (deposit + AVD stamp duty HK$507,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,035
−HK$2,323/mo
▼ 0.25% · 3.875%
HK$38,187
−HK$1,171/mo
Today · 4.125%
HK$39,358
baseline
▲ 0.50% · 4.625%
HK$41,753
+HK$2,395/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$78,716/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,202
−HK$2,226/mo
▼ 0.25% · 3.875%
HK$42,307
−HK$1,121/mo
Today · 4.125%
HK$43,428
baseline
▲ 0.50% · 4.625%
HK$45,717
+HK$2,289/mo
Deposit HK$5.41M · loan HK$8.12M · min. income ≈ HK$86,856/mo (50% DSR)
Upfront cash ≈ HK$5.92M (deposit + AVD stamp duty HK$507,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,208
−HK$2,710/mo
▼ 0.25% · 3.875%
HK$44,552
−HK$1,366/mo
Today · 4.125%
HK$45,918
baseline
▲ 0.50% · 4.625%
HK$48,711
+HK$2,793/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$91,836/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,068
−HK$2,597/mo
▼ 0.25% · 3.875%
HK$49,358
−HK$1,307/mo
Today · 4.125%
HK$50,665
baseline
▲ 0.50% · 4.625%
HK$53,336
+HK$2,671/mo
Deposit HK$4.06M · loan HK$9.47M · min. income ≈ HK$101,330/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$507,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,553
−HK$3,484/mo
▼ 0.25% · 3.875%
HK$57,281
−HK$1,756/mo
Today · 4.125%
HK$59,037
baseline
▲ 0.50% · 4.625%
HK$62,629
+HK$3,592/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$118,074/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,802
−HK$3,339/mo
▼ 0.25% · 3.875%
HK$63,460
−HK$1,681/mo
Today · 4.125%
HK$65,141
baseline
▲ 0.50% · 4.625%
HK$68,575
+HK$3,434/mo
Deposit HK$1.35M · loan HK$12.18M · min. income ≈ HK$130,282/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$507,556 · Scale 2, in force from 26 Feb 2026)