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$30,597
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,548
−HK$967/mo
Today · 4.125%
HK$32,515
baseline
▲ 0.50% · 4.625%
HK$34,494
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,030/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,038
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,951
−HK$926/mo
Today · 4.125%
HK$35,877
baseline
▲ 0.50% · 4.625%
HK$37,768
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,754/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,716
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,858
−HK$1,160/mo
Today · 4.125%
HK$39,018
baseline
▲ 0.50% · 4.625%
HK$41,392
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,036/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,846
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,941
−HK$1,112/mo
Today · 4.125%
HK$43,053
baseline
▲ 0.50% · 4.625%
HK$45,322
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,106/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,835
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,168
−HK$1,353/mo
Today · 4.125%
HK$45,521
baseline
▲ 0.50% · 4.625%
HK$48,291
+HK$2,770/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$91,042/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,654
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,932
−HK$1,296/mo
Today · 4.125%
HK$50,228
baseline
▲ 0.50% · 4.625%
HK$52,876
+HK$2,648/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$100,456/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,074
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,787
−HK$1,740/mo
Today · 4.125%
HK$58,527
baseline
▲ 0.50% · 4.625%
HK$62,089
+HK$3,562/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,054/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,177 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,269
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,912
−HK$1,667/mo
Today · 4.125%
HK$64,579
baseline
▲ 0.50% · 4.625%
HK$67,983
+HK$3,404/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,158/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,177 · Scale 2, in force from 26 Feb 2026)