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$30,669
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,623
−HK$969/mo
Today · 4.125%
HK$32,592
baseline
▲ 0.50% · 4.625%
HK$34,575
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,184/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,119
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,034
−HK$928/mo
Today · 4.125%
HK$35,962
baseline
▲ 0.50% · 4.625%
HK$37,858
+HK$1,896/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,924/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,803
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,948
−HK$1,163/mo
Today · 4.125%
HK$39,111
baseline
▲ 0.50% · 4.625%
HK$41,491
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,222/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,943
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,041
−HK$1,114/mo
Today · 4.125%
HK$43,155
baseline
▲ 0.50% · 4.625%
HK$45,430
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,310/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,937
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,272
−HK$1,357/mo
Today · 4.125%
HK$45,629
baseline
▲ 0.50% · 4.625%
HK$48,406
+HK$2,777/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,258/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,767
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,048
−HK$1,299/mo
Today · 4.125%
HK$50,347
baseline
▲ 0.50% · 4.625%
HK$53,001
+HK$2,654/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,694/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,204
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,922
−HK$1,744/mo
Today · 4.125%
HK$58,666
baseline
▲ 0.50% · 4.625%
HK$62,236
+HK$3,570/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,332/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,414
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,061
−HK$1,671/mo
Today · 4.125%
HK$64,732
baseline
▲ 0.50% · 4.625%
HK$68,144
+HK$3,412/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,464/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,370 · Scale 2, in force from 26 Feb 2026)