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$30,636
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,589
−HK$968/mo
Today · 4.125%
HK$32,557
baseline
▲ 0.50% · 4.625%
HK$34,538
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,114/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,082
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,996
−HK$927/mo
Today · 4.125%
HK$35,923
baseline
▲ 0.50% · 4.625%
HK$37,817
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,846/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,763
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,906
−HK$1,162/mo
Today · 4.125%
HK$39,068
baseline
▲ 0.50% · 4.625%
HK$41,445
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,136/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,898
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,995
−HK$1,113/mo
Today · 4.125%
HK$43,108
baseline
▲ 0.50% · 4.625%
HK$45,380
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,216/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,890
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,224
−HK$1,356/mo
Today · 4.125%
HK$45,580
baseline
▲ 0.50% · 4.625%
HK$48,353
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,160/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,715
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,994
−HK$1,299/mo
Today · 4.125%
HK$50,293
baseline
▲ 0.50% · 4.625%
HK$52,944
+HK$2,651/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,586/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,144
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,860
−HK$1,742/mo
Today · 4.125%
HK$58,602
baseline
▲ 0.50% · 4.625%
HK$62,168
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,204/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,820 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,347
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,993
−HK$1,669/mo
Today · 4.125%
HK$64,662
baseline
▲ 0.50% · 4.625%
HK$68,070
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,324/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,820 · Scale 2, in force from 26 Feb 2026)