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$30,628
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$968/mo
Today · 4.125%
HK$32,549
baseline
▲ 0.50% · 4.625%
HK$34,529
+HK$1,980/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,098/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,073
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,987
−HK$927/mo
Today · 4.125%
HK$35,914
baseline
▲ 0.50% · 4.625%
HK$37,807
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,828/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,754
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,897
−HK$1,161/mo
Today · 4.125%
HK$39,058
baseline
▲ 0.50% · 4.625%
HK$41,435
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,116/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,888
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,985
−HK$1,112/mo
Today · 4.125%
HK$43,097
baseline
▲ 0.50% · 4.625%
HK$45,369
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,194/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,879
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,213
−HK$1,355/mo
Today · 4.125%
HK$45,568
baseline
▲ 0.50% · 4.625%
HK$48,341
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,136/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,703
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,982
−HK$1,298/mo
Today · 4.125%
HK$50,280
baseline
▲ 0.50% · 4.625%
HK$52,930
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,560/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,130
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,845
−HK$1,743/mo
Today · 4.125%
HK$58,588
baseline
▲ 0.50% · 4.625%
HK$62,153
+HK$3,565/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,176/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,332
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,977
−HK$1,669/mo
Today · 4.125%
HK$64,646
baseline
▲ 0.50% · 4.625%
HK$68,053
+HK$3,407/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,292/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,694 · Scale 2, in force from 26 Feb 2026)