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$30,648
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,601
−HK$968/mo
Today · 4.125%
HK$32,569
baseline
▲ 0.50% · 4.625%
HK$34,551
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,138/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$504,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,095
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,009
−HK$928/mo
Today · 4.125%
HK$35,937
baseline
▲ 0.50% · 4.625%
HK$37,831
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,874/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$504,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,777
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,921
−HK$1,162/mo
Today · 4.125%
HK$39,083
baseline
▲ 0.50% · 4.625%
HK$41,461
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,166/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,914
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,011
−HK$1,114/mo
Today · 4.125%
HK$43,125
baseline
▲ 0.50% · 4.625%
HK$45,398
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,250/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,907
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,241
−HK$1,356/mo
Today · 4.125%
HK$45,597
baseline
▲ 0.50% · 4.625%
HK$48,372
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,194/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,733
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,013
−HK$1,299/mo
Today · 4.125%
HK$50,312
baseline
▲ 0.50% · 4.625%
HK$52,964
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,624/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,166
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,881
−HK$1,744/mo
Today · 4.125%
HK$58,625
baseline
▲ 0.50% · 4.625%
HK$62,192
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,250/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,371
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,017
−HK$1,670/mo
Today · 4.125%
HK$64,687
baseline
▲ 0.50% · 4.625%
HK$68,096
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,374/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,015 · Scale 2, in force from 26 Feb 2026)