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$30,690
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,645
−HK$970/mo
Today · 4.125%
HK$32,615
baseline
▲ 0.50% · 4.625%
HK$34,599
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,230/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,142
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,058
−HK$929/mo
Today · 4.125%
HK$35,987
baseline
▲ 0.50% · 4.625%
HK$37,884
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,974/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,828
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,974
−HK$1,163/mo
Today · 4.125%
HK$39,137
baseline
▲ 0.50% · 4.625%
HK$41,519
+HK$2,382/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$78,274/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,971
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,070
−HK$1,114/mo
Today · 4.125%
HK$43,184
baseline
▲ 0.50% · 4.625%
HK$45,461
+HK$2,277/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$86,368/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,966
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,302
−HK$1,358/mo
Today · 4.125%
HK$45,660
baseline
▲ 0.50% · 4.625%
HK$48,439
+HK$2,779/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,320/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,799
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,081
−HK$1,301/mo
Today · 4.125%
HK$50,382
baseline
▲ 0.50% · 4.625%
HK$53,037
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,764/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,242
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,960
−HK$1,746/mo
Today · 4.125%
HK$58,706
baseline
▲ 0.50% · 4.625%
HK$62,278
+HK$3,572/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,412/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,456
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,104
−HK$1,672/mo
Today · 4.125%
HK$64,776
baseline
▲ 0.50% · 4.625%
HK$68,191
+HK$3,415/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,552/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,713 · Scale 2, in force from 26 Feb 2026)