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$30,686
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,640
−HK$970/mo
Today · 4.125%
HK$32,610
baseline
▲ 0.50% · 4.625%
HK$34,594
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,220/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,137
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,053
−HK$929/mo
Today · 4.125%
HK$35,982
baseline
▲ 0.50% · 4.625%
HK$37,878
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,964/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,823
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,968
−HK$1,164/mo
Today · 4.125%
HK$39,132
baseline
▲ 0.50% · 4.625%
HK$41,513
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,264/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,965
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,064
−HK$1,114/mo
Today · 4.125%
HK$43,178
baseline
▲ 0.50% · 4.625%
HK$45,454
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,356/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,960
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,296
−HK$1,358/mo
Today · 4.125%
HK$45,654
baseline
▲ 0.50% · 4.625%
HK$48,432
+HK$2,778/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,308/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,792
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,074
−HK$1,300/mo
Today · 4.125%
HK$50,374
baseline
▲ 0.50% · 4.625%
HK$53,030
+HK$2,656/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,748/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,234
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,952
−HK$1,746/mo
Today · 4.125%
HK$58,698
baseline
▲ 0.50% · 4.625%
HK$62,269
+HK$3,571/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,396/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,447
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,095
−HK$1,672/mo
Today · 4.125%
HK$64,767
baseline
▲ 0.50% · 4.625%
HK$68,181
+HK$3,414/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,534/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,641 · Scale 2, in force from 26 Feb 2026)