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$30,651
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$969/mo
Today · 4.125%
HK$32,573
baseline
▲ 0.50% · 4.625%
HK$34,555
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,146/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,099
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$928/mo
Today · 4.125%
HK$35,941
baseline
▲ 0.50% · 4.625%
HK$37,836
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,882/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,781
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,925
−HK$1,163/mo
Today · 4.125%
HK$39,088
baseline
▲ 0.50% · 4.625%
HK$41,466
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,176/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,919
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,016
−HK$1,113/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,403
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,911
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,246
−HK$1,356/mo
Today · 4.125%
HK$45,602
baseline
▲ 0.50% · 4.625%
HK$48,377
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,204/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,739
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,019
−HK$1,299/mo
Today · 4.125%
HK$50,318
baseline
▲ 0.50% · 4.625%
HK$52,970
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,636/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,172
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,888
−HK$1,744/mo
Today · 4.125%
HK$58,632
baseline
▲ 0.50% · 4.625%
HK$62,199
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,264/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,378
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,024
−HK$1,670/mo
Today · 4.125%
HK$64,694
baseline
▲ 0.50% · 4.625%
HK$68,104
+HK$3,410/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,388/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,072 · Scale 2, in force from 26 Feb 2026)