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$30,647
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,600
−HK$969/mo
Today · 4.125%
HK$32,569
baseline
▲ 0.50% · 4.625%
HK$34,551
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,138/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$504,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,009
−HK$927/mo
Today · 4.125%
HK$35,936
baseline
▲ 0.50% · 4.625%
HK$37,831
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,872/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$504,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,776
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,920
−HK$1,163/mo
Today · 4.125%
HK$39,083
baseline
▲ 0.50% · 4.625%
HK$41,461
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,166/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,913
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,011
−HK$1,113/mo
Today · 4.125%
HK$43,124
baseline
▲ 0.50% · 4.625%
HK$45,397
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,248/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,906
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,240
−HK$1,356/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$48,371
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,732
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,012
−HK$1,299/mo
Today · 4.125%
HK$50,311
baseline
▲ 0.50% · 4.625%
HK$52,963
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,622/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,165
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,880
−HK$1,744/mo
Today · 4.125%
HK$58,624
baseline
▲ 0.50% · 4.625%
HK$62,191
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,248/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,370
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,016
−HK$1,670/mo
Today · 4.125%
HK$64,686
baseline
▲ 0.50% · 4.625%
HK$68,095
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,372/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,006 · Scale 2, in force from 26 Feb 2026)