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$30,668
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,622
−HK$969/mo
Today · 4.125%
HK$32,591
baseline
▲ 0.50% · 4.625%
HK$34,574
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,182/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,118
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,033
−HK$928/mo
Today · 4.125%
HK$35,961
baseline
▲ 0.50% · 4.625%
HK$37,856
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,922/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,801
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,946
−HK$1,163/mo
Today · 4.125%
HK$39,109
baseline
▲ 0.50% · 4.625%
HK$41,489
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,218/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,941
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,114/mo
Today · 4.125%
HK$43,153
baseline
▲ 0.50% · 4.625%
HK$45,428
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,306/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,935
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,270
−HK$1,357/mo
Today · 4.125%
HK$45,627
baseline
▲ 0.50% · 4.625%
HK$48,404
+HK$2,777/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,254/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,765
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,046
−HK$1,299/mo
Today · 4.125%
HK$50,345
baseline
▲ 0.50% · 4.625%
HK$52,999
+HK$2,654/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,690/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,202
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,919
−HK$1,745/mo
Today · 4.125%
HK$58,664
baseline
▲ 0.50% · 4.625%
HK$62,233
+HK$3,569/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,328/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,412
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,059
−HK$1,671/mo
Today · 4.125%
HK$64,730
baseline
▲ 0.50% · 4.625%
HK$68,142
+HK$3,412/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,460/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,348 · Scale 2, in force from 26 Feb 2026)