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$30,643
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,596
−HK$969/mo
Today · 4.125%
HK$32,565
baseline
▲ 0.50% · 4.625%
HK$34,546
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,130/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,090
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,004
−HK$928/mo
Today · 4.125%
HK$35,932
baseline
▲ 0.50% · 4.625%
HK$37,826
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,864/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,772
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,916
−HK$1,162/mo
Today · 4.125%
HK$39,078
baseline
▲ 0.50% · 4.625%
HK$41,455
+HK$2,377/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,156/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,908
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,005
−HK$1,113/mo
Today · 4.125%
HK$43,118
baseline
▲ 0.50% · 4.625%
HK$45,391
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,236/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,900
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,235
−HK$1,356/mo
Today · 4.125%
HK$45,591
baseline
▲ 0.50% · 4.625%
HK$48,365
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,182/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,726
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,006
−HK$1,299/mo
Today · 4.125%
HK$50,305
baseline
▲ 0.50% · 4.625%
HK$52,956
+HK$2,651/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,610/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,158
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,873
−HK$1,743/mo
Today · 4.125%
HK$58,616
baseline
▲ 0.50% · 4.625%
HK$62,183
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,232/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,362
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,008
−HK$1,670/mo
Today · 4.125%
HK$64,678
baseline
▲ 0.50% · 4.625%
HK$68,087
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,356/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,942 · Scale 2, in force from 26 Feb 2026)