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$30,680
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,634
−HK$970/mo
Today · 4.125%
HK$32,604
baseline
▲ 0.50% · 4.625%
HK$34,588
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,208/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,131
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,047
−HK$928/mo
Today · 4.125%
HK$35,975
baseline
▲ 0.50% · 4.625%
HK$37,872
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,950/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,816
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,961
−HK$1,164/mo
Today · 4.125%
HK$39,125
baseline
▲ 0.50% · 4.625%
HK$41,505
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,250/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,957
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,056
−HK$1,114/mo
Today · 4.125%
HK$43,170
baseline
▲ 0.50% · 4.625%
HK$45,446
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,340/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,952
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,288
−HK$1,358/mo
Today · 4.125%
HK$45,646
baseline
▲ 0.50% · 4.625%
HK$48,423
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,292/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,784
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,065
−HK$1,300/mo
Today · 4.125%
HK$50,365
baseline
▲ 0.50% · 4.625%
HK$53,020
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,730/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,224
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,942
−HK$1,745/mo
Today · 4.125%
HK$58,687
baseline
▲ 0.50% · 4.625%
HK$62,258
+HK$3,571/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,374/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,550 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,436
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,084
−HK$1,671/mo
Today · 4.125%
HK$64,755
baseline
▲ 0.50% · 4.625%
HK$68,169
+HK$3,414/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,510/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,550 · Scale 2, in force from 26 Feb 2026)