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$30,677
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,631
−HK$969/mo
Today · 4.125%
HK$32,600
baseline
▲ 0.50% · 4.625%
HK$34,584
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,200/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,127
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,043
−HK$928/mo
Today · 4.125%
HK$35,971
baseline
▲ 0.50% · 4.625%
HK$37,867
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,942/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,812
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,957
−HK$1,163/mo
Today · 4.125%
HK$39,120
baseline
▲ 0.50% · 4.625%
HK$41,501
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,240/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,953
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,051
−HK$1,114/mo
Today · 4.125%
HK$43,165
baseline
▲ 0.50% · 4.625%
HK$45,441
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,330/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,947
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,283
−HK$1,357/mo
Today · 4.125%
HK$45,640
baseline
▲ 0.50% · 4.625%
HK$48,417
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,280/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,778
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,060
−HK$1,300/mo
Today · 4.125%
HK$50,360
baseline
▲ 0.50% · 4.625%
HK$53,014
+HK$2,654/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,720/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,218
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,935
−HK$1,745/mo
Today · 4.125%
HK$58,680
baseline
▲ 0.50% · 4.625%
HK$62,251
+HK$3,571/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,360/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,492 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,429
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,077
−HK$1,671/mo
Today · 4.125%
HK$64,748
baseline
▲ 0.50% · 4.625%
HK$68,161
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,496/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,492 · Scale 2, in force from 26 Feb 2026)