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$30,678
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,633
−HK$969/mo
Today · 4.125%
HK$32,602
baseline
▲ 0.50% · 4.625%
HK$34,586
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,204/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,129
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,045
−HK$928/mo
Today · 4.125%
HK$35,973
baseline
▲ 0.50% · 4.625%
HK$37,869
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,946/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,814
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,959
−HK$1,164/mo
Today · 4.125%
HK$39,123
baseline
▲ 0.50% · 4.625%
HK$41,503
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,246/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,955
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,054
−HK$1,114/mo
Today · 4.125%
HK$43,168
baseline
▲ 0.50% · 4.625%
HK$45,443
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,336/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,950
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,286
−HK$1,357/mo
Today · 4.125%
HK$45,643
baseline
▲ 0.50% · 4.625%
HK$48,420
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,286/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,781
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,063
−HK$1,300/mo
Today · 4.125%
HK$50,363
baseline
▲ 0.50% · 4.625%
HK$53,017
+HK$2,654/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,726/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,221
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,939
−HK$1,745/mo
Today · 4.125%
HK$58,684
baseline
▲ 0.50% · 4.625%
HK$62,255
+HK$3,571/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,368/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,433
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,080
−HK$1,672/mo
Today · 4.125%
HK$64,752
baseline
▲ 0.50% · 4.625%
HK$68,165
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,504/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,522 · Scale 2, in force from 26 Feb 2026)