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$30,659
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,613
−HK$969/mo
Today · 4.125%
HK$32,582
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,164/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,108
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,023
−HK$928/mo
Today · 4.125%
HK$35,951
baseline
▲ 0.50% · 4.625%
HK$37,846
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,902/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,791
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,936
−HK$1,162/mo
Today · 4.125%
HK$39,098
baseline
▲ 0.50% · 4.625%
HK$41,477
+HK$2,379/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,196/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,930
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,027
−HK$1,114/mo
Today · 4.125%
HK$43,141
baseline
▲ 0.50% · 4.625%
HK$45,415
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,282/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,923
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,258
−HK$1,357/mo
Today · 4.125%
HK$45,615
baseline
▲ 0.50% · 4.625%
HK$48,390
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,230/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,751
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,032
−HK$1,299/mo
Today · 4.125%
HK$50,331
baseline
▲ 0.50% · 4.625%
HK$52,984
+HK$2,653/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,662/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,187
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,903
−HK$1,744/mo
Today · 4.125%
HK$58,647
baseline
▲ 0.50% · 4.625%
HK$62,216
+HK$3,569/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,294/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,208 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,395
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,041
−HK$1,671/mo
Today · 4.125%
HK$64,712
baseline
▲ 0.50% · 4.625%
HK$68,123
+HK$3,411/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,424/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,208 · Scale 2, in force from 26 Feb 2026)