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$30,598
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,550
−HK$967/mo
Today · 4.125%
HK$32,517
baseline
▲ 0.50% · 4.625%
HK$34,495
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,034/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,040
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,953
−HK$926/mo
Today · 4.125%
HK$35,879
baseline
▲ 0.50% · 4.625%
HK$37,770
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,758/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,718
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,860
−HK$1,160/mo
Today · 4.125%
HK$39,020
baseline
▲ 0.50% · 4.625%
HK$41,394
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,040/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,848
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,943
−HK$1,112/mo
Today · 4.125%
HK$43,055
baseline
▲ 0.50% · 4.625%
HK$45,324
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,110/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,837
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,170
−HK$1,353/mo
Today · 4.125%
HK$45,523
baseline
▲ 0.50% · 4.625%
HK$48,293
+HK$2,770/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$91,046/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,656
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,934
−HK$1,297/mo
Today · 4.125%
HK$50,231
baseline
▲ 0.50% · 4.625%
HK$52,878
+HK$2,647/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$100,462/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,076
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,789
−HK$1,741/mo
Today · 4.125%
HK$58,530
baseline
▲ 0.50% · 4.625%
HK$62,091
+HK$3,561/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,060/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,272
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,915
−HK$1,667/mo
Today · 4.125%
HK$64,582
baseline
▲ 0.50% · 4.625%
HK$67,986
+HK$3,404/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,164/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,199 · Scale 2, in force from 26 Feb 2026)