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$30,646
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,599
−HK$969/mo
Today · 4.125%
HK$32,568
baseline
▲ 0.50% · 4.625%
HK$34,549
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,136/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,093
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,008
−HK$927/mo
Today · 4.125%
HK$35,935
baseline
▲ 0.50% · 4.625%
HK$37,829
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,870/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,775
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,919
−HK$1,162/mo
Today · 4.125%
HK$39,081
baseline
▲ 0.50% · 4.625%
HK$41,459
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,162/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,912
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,009
−HK$1,113/mo
Today · 4.125%
HK$43,122
baseline
▲ 0.50% · 4.625%
HK$45,395
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,244/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,904
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,239
−HK$1,356/mo
Today · 4.125%
HK$45,595
baseline
▲ 0.50% · 4.625%
HK$48,369
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,190/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,731
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,011
−HK$1,298/mo
Today · 4.125%
HK$50,309
baseline
▲ 0.50% · 4.625%
HK$52,961
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,618/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,163
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,879
−HK$1,743/mo
Today · 4.125%
HK$58,622
baseline
▲ 0.50% · 4.625%
HK$62,189
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,244/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,368
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,014
−HK$1,670/mo
Today · 4.125%
HK$64,684
baseline
▲ 0.50% · 4.625%
HK$68,093
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,368/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,989 · Scale 2, in force from 26 Feb 2026)