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$30,632
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,584
−HK$968/mo
Today · 4.125%
HK$32,552
baseline
▲ 0.50% · 4.625%
HK$34,533
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,104/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,077
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,991
−HK$927/mo
Today · 4.125%
HK$35,918
baseline
▲ 0.50% · 4.625%
HK$37,812
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,836/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,758
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,901
−HK$1,162/mo
Today · 4.125%
HK$39,063
baseline
▲ 0.50% · 4.625%
HK$41,440
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,126/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,893
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,990
−HK$1,112/mo
Today · 4.125%
HK$43,102
baseline
▲ 0.50% · 4.625%
HK$45,374
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,204/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,884
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,218
−HK$1,355/mo
Today · 4.125%
HK$45,573
baseline
▲ 0.50% · 4.625%
HK$48,346
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,146/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,708
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,988
−HK$1,298/mo
Today · 4.125%
HK$50,286
baseline
▲ 0.50% · 4.625%
HK$52,936
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,572/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,137
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,852
−HK$1,742/mo
Today · 4.125%
HK$58,594
baseline
▲ 0.50% · 4.625%
HK$62,160
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,188/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,339
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,984
−HK$1,669/mo
Today · 4.125%
HK$64,653
baseline
▲ 0.50% · 4.625%
HK$68,061
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,306/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,753 · Scale 2, in force from 26 Feb 2026)