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$30,626
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,579
−HK$968/mo
Today · 4.125%
HK$32,547
baseline
▲ 0.50% · 4.625%
HK$34,527
+HK$1,980/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,094/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,071
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,985
−HK$927/mo
Today · 4.125%
HK$35,912
baseline
▲ 0.50% · 4.625%
HK$37,805
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,824/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,752
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,895
−HK$1,161/mo
Today · 4.125%
HK$39,056
baseline
▲ 0.50% · 4.625%
HK$41,433
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,112/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,886
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,982
−HK$1,113/mo
Today · 4.125%
HK$43,095
baseline
▲ 0.50% · 4.625%
HK$45,366
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,190/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,877
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,211
−HK$1,355/mo
Today · 4.125%
HK$45,566
baseline
▲ 0.50% · 4.625%
HK$48,338
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,132/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,700
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,979
−HK$1,298/mo
Today · 4.125%
HK$50,277
baseline
▲ 0.50% · 4.625%
HK$52,927
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,554/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,127
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,842
−HK$1,742/mo
Today · 4.125%
HK$58,584
baseline
▲ 0.50% · 4.625%
HK$62,149
+HK$3,565/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,168/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,329
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,973
−HK$1,669/mo
Today · 4.125%
HK$64,642
baseline
▲ 0.50% · 4.625%
HK$68,049
+HK$3,407/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,284/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,666 · Scale 2, in force from 26 Feb 2026)