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$30,629
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,581
−HK$968/mo
Today · 4.125%
HK$32,549
baseline
▲ 0.50% · 4.625%
HK$34,530
+HK$1,981/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$503,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,074
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,988
−HK$927/mo
Today · 4.125%
HK$35,915
baseline
▲ 0.50% · 4.625%
HK$37,808
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,830/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,754
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,898
−HK$1,161/mo
Today · 4.125%
HK$39,059
baseline
▲ 0.50% · 4.625%
HK$41,436
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,118/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,889
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,986
−HK$1,112/mo
Today · 4.125%
HK$43,098
baseline
▲ 0.50% · 4.625%
HK$45,370
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,196/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,880
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,214
−HK$1,355/mo
Today · 4.125%
HK$45,569
baseline
▲ 0.50% · 4.625%
HK$48,342
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,138/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,704
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,983
−HK$1,298/mo
Today · 4.125%
HK$50,281
baseline
▲ 0.50% · 4.625%
HK$52,931
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,562/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,132
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,847
−HK$1,742/mo
Today · 4.125%
HK$58,589
baseline
▲ 0.50% · 4.625%
HK$62,154
+HK$3,565/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,178/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,333
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,978
−HK$1,669/mo
Today · 4.125%
HK$64,647
baseline
▲ 0.50% · 4.625%
HK$68,055
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,294/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,705 · Scale 2, in force from 26 Feb 2026)