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$30,591
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$967/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,488
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,032
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$926/mo
Today · 4.125%
HK$35,871
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,742/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,709
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,851
−HK$1,160/mo
Today · 4.125%
HK$39,011
baseline
▲ 0.50% · 4.625%
HK$41,385
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,022/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,934
−HK$1,111/mo
Today · 4.125%
HK$43,045
baseline
▲ 0.50% · 4.625%
HK$45,314
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,090/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,828
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,160
−HK$1,353/mo
Today · 4.125%
HK$45,513
baseline
▲ 0.50% · 4.625%
HK$48,283
+HK$2,770/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,026/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,645
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,923
−HK$1,296/mo
Today · 4.125%
HK$50,219
baseline
▲ 0.50% · 4.625%
HK$52,867
+HK$2,648/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,438/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,064
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,777
−HK$1,740/mo
Today · 4.125%
HK$58,517
baseline
▲ 0.50% · 4.625%
HK$62,078
+HK$3,561/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,034/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,089 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,258
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,901
−HK$1,667/mo
Today · 4.125%
HK$64,568
baseline
▲ 0.50% · 4.625%
HK$67,971
+HK$3,403/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,136/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,089 · Scale 2, in force from 26 Feb 2026)