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$30,891
−HK$1,937/mo
▼ 0.25% · 3.875%
HK$31,852
−HK$976/mo
Today · 4.125%
HK$32,828
baseline
▲ 0.50% · 4.625%
HK$34,826
+HK$1,998/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$65,656/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,366
−HK$1,857/mo
▼ 0.25% · 3.875%
HK$35,288
−HK$935/mo
Today · 4.125%
HK$36,223
baseline
▲ 0.50% · 4.625%
HK$38,132
+HK$1,909/mo
Deposit HK$6.77M · loan HK$6.77M · min. income ≈ HK$72,446/mo (50% DSR)
Upfront cash ≈ HK$7.28M (deposit + AVD stamp duty HK$508,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,069
−HK$2,325/mo
▼ 0.25% · 3.875%
HK$38,223
−HK$1,171/mo
Today · 4.125%
HK$39,394
baseline
▲ 0.50% · 4.625%
HK$41,791
+HK$2,397/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$78,788/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,239
−HK$2,228/mo
▼ 0.25% · 3.875%
HK$42,345
−HK$1,122/mo
Today · 4.125%
HK$43,467
baseline
▲ 0.50% · 4.625%
HK$45,759
+HK$2,292/mo
Deposit HK$5.42M · loan HK$8.13M · min. income ≈ HK$86,934/mo (50% DSR)
Upfront cash ≈ HK$5.93M (deposit + AVD stamp duty HK$508,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,248
−HK$2,712/mo
▼ 0.25% · 3.875%
HK$44,593
−HK$1,367/mo
Today · 4.125%
HK$45,960
baseline
▲ 0.50% · 4.625%
HK$48,756
+HK$2,796/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$91,920/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,113
−HK$2,599/mo
▼ 0.25% · 3.875%
HK$49,403
−HK$1,309/mo
Today · 4.125%
HK$50,712
baseline
▲ 0.50% · 4.625%
HK$53,385
+HK$2,673/mo
Deposit HK$4.06M · loan HK$9.48M · min. income ≈ HK$101,424/mo (50% DSR)
Upfront cash ≈ HK$4.57M (deposit + AVD stamp duty HK$508,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,604
−HK$3,487/mo
▼ 0.25% · 3.875%
HK$57,334
−HK$1,757/mo
Today · 4.125%
HK$59,091
baseline
▲ 0.50% · 4.625%
HK$62,687
+HK$3,596/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$118,182/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,859
−HK$3,342/mo
▼ 0.25% · 3.875%
HK$63,518
−HK$1,683/mo
Today · 4.125%
HK$65,201
baseline
▲ 0.50% · 4.625%
HK$68,638
+HK$3,437/mo
Deposit HK$1.35M · loan HK$12.19M · min. income ≈ HK$130,402/mo (50% DSR)
Upfront cash ≈ HK$1.86M (deposit + AVD stamp duty HK$508,022 · Scale 2, in force from 26 Feb 2026)