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$30,611
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,563
−HK$968/mo
Today · 4.125%
HK$32,531
baseline
▲ 0.50% · 4.625%
HK$34,510
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,062/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,054
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,968
−HK$926/mo
Today · 4.125%
HK$35,894
baseline
▲ 0.50% · 4.625%
HK$37,786
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,788/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,733
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,876
−HK$1,161/mo
Today · 4.125%
HK$39,037
baseline
▲ 0.50% · 4.625%
HK$41,412
+HK$2,375/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,074/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,865
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,112/mo
Today · 4.125%
HK$43,073
baseline
▲ 0.50% · 4.625%
HK$45,344
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,146/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,855
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,188
−HK$1,355/mo
Today · 4.125%
HK$45,543
baseline
▲ 0.50% · 4.625%
HK$48,314
+HK$2,771/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,086/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,676
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,955
−HK$1,297/mo
Today · 4.125%
HK$50,252
baseline
▲ 0.50% · 4.625%
HK$52,901
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,504/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,100
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,814
−HK$1,741/mo
Today · 4.125%
HK$58,555
baseline
▲ 0.50% · 4.625%
HK$62,118
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,110/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,298
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,942
−HK$1,668/mo
Today · 4.125%
HK$64,610
baseline
▲ 0.50% · 4.625%
HK$68,015
+HK$3,405/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,220/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,414 · Scale 2, in force from 26 Feb 2026)