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$30,683
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,637
−HK$970/mo
Today · 4.125%
HK$32,607
baseline
▲ 0.50% · 4.625%
HK$34,591
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,214/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,134
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,050
−HK$929/mo
Today · 4.125%
HK$35,979
baseline
▲ 0.50% · 4.625%
HK$37,875
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,958/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,819
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,965
−HK$1,163/mo
Today · 4.125%
HK$39,128
baseline
▲ 0.50% · 4.625%
HK$41,509
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,256/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,961
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,060
−HK$1,114/mo
Today · 4.125%
HK$43,174
baseline
▲ 0.50% · 4.625%
HK$45,450
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,348/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,956
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,292
−HK$1,358/mo
Today · 4.125%
HK$45,650
baseline
▲ 0.50% · 4.625%
HK$48,427
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,300/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,788
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,070
−HK$1,300/mo
Today · 4.125%
HK$50,370
baseline
▲ 0.50% · 4.625%
HK$53,025
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,740/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,229
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,947
−HK$1,745/mo
Today · 4.125%
HK$58,692
baseline
▲ 0.50% · 4.625%
HK$62,264
+HK$3,572/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,384/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,442
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,090
−HK$1,671/mo
Today · 4.125%
HK$64,761
baseline
▲ 0.50% · 4.625%
HK$68,175
+HK$3,414/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,522/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,596 · Scale 2, in force from 26 Feb 2026)