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$30,665
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,619
−HK$969/mo
Today · 4.125%
HK$32,588
baseline
▲ 0.50% · 4.625%
HK$34,571
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,176/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,115
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,030
−HK$928/mo
Today · 4.125%
HK$35,958
baseline
▲ 0.50% · 4.625%
HK$37,853
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,916/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,798
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,943
−HK$1,163/mo
Today · 4.125%
HK$39,106
baseline
▲ 0.50% · 4.625%
HK$41,485
+HK$2,379/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,212/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,938
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,036
−HK$1,114/mo
Today · 4.125%
HK$43,150
baseline
▲ 0.50% · 4.625%
HK$45,424
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,300/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,931
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,267
−HK$1,357/mo
Today · 4.125%
HK$45,624
baseline
▲ 0.50% · 4.625%
HK$48,400
+HK$2,776/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,248/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,761
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,042
−HK$1,299/mo
Today · 4.125%
HK$50,341
baseline
▲ 0.50% · 4.625%
HK$52,995
+HK$2,654/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,682/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,198
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,914
−HK$1,745/mo
Today · 4.125%
HK$58,659
baseline
▲ 0.50% · 4.625%
HK$62,228
+HK$3,569/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,318/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,307 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,407
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,054
−HK$1,670/mo
Today · 4.125%
HK$64,724
baseline
▲ 0.50% · 4.625%
HK$68,136
+HK$3,412/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,448/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,307 · Scale 2, in force from 26 Feb 2026)