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$30,644
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,597
−HK$969/mo
Today · 4.125%
HK$32,566
baseline
▲ 0.50% · 4.625%
HK$34,547
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,132/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,091
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,006
−HK$927/mo
Today · 4.125%
HK$35,933
baseline
▲ 0.50% · 4.625%
HK$37,827
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,866/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,773
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,917
−HK$1,162/mo
Today · 4.125%
HK$39,079
baseline
▲ 0.50% · 4.625%
HK$41,457
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,158/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,910
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,007
−HK$1,113/mo
Today · 4.125%
HK$43,120
baseline
▲ 0.50% · 4.625%
HK$45,393
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,240/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,902
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,236
−HK$1,356/mo
Today · 4.125%
HK$45,592
baseline
▲ 0.50% · 4.625%
HK$48,366
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,184/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,728
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,008
−HK$1,298/mo
Today · 4.125%
HK$50,306
baseline
▲ 0.50% · 4.625%
HK$52,958
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,612/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,160
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,875
−HK$1,743/mo
Today · 4.125%
HK$58,618
baseline
▲ 0.50% · 4.625%
HK$62,185
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,236/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,960 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,364
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,010
−HK$1,670/mo
Today · 4.125%
HK$64,680
baseline
▲ 0.50% · 4.625%
HK$68,089
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,360/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,960 · Scale 2, in force from 26 Feb 2026)