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$30,625
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,577
−HK$968/mo
Today · 4.125%
HK$32,545
baseline
▲ 0.50% · 4.625%
HK$34,525
+HK$1,980/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,090/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,070
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,983
−HK$927/mo
Today · 4.125%
HK$35,910
baseline
▲ 0.50% · 4.625%
HK$37,803
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,820/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,749
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,893
−HK$1,161/mo
Today · 4.125%
HK$39,054
baseline
▲ 0.50% · 4.625%
HK$41,430
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,108/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,883
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,980
−HK$1,112/mo
Today · 4.125%
HK$43,092
baseline
▲ 0.50% · 4.625%
HK$45,364
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,184/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,874
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,208
−HK$1,355/mo
Today · 4.125%
HK$45,563
baseline
▲ 0.50% · 4.625%
HK$48,335
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,126/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,697
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,977
−HK$1,297/mo
Today · 4.125%
HK$50,274
baseline
▲ 0.50% · 4.625%
HK$52,924
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,548/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,124
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,839
−HK$1,742/mo
Today · 4.125%
HK$58,581
baseline
▲ 0.50% · 4.625%
HK$62,145
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,162/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,325
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,970
−HK$1,668/mo
Today · 4.125%
HK$64,638
baseline
▲ 0.50% · 4.625%
HK$68,045
+HK$3,407/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,276/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,637 · Scale 2, in force from 26 Feb 2026)