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$30,586
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,538
−HK$966/mo
Today · 4.125%
HK$32,504
baseline
▲ 0.50% · 4.625%
HK$34,482
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,008/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,027
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,940
−HK$925/mo
Today · 4.125%
HK$35,865
baseline
▲ 0.50% · 4.625%
HK$37,756
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,730/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,704
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,845
−HK$1,160/mo
Today · 4.125%
HK$39,005
baseline
▲ 0.50% · 4.625%
HK$41,379
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,010/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,832
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,927
−HK$1,111/mo
Today · 4.125%
HK$43,038
baseline
▲ 0.50% · 4.625%
HK$45,307
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,076/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,821
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,153
−HK$1,353/mo
Today · 4.125%
HK$45,506
baseline
▲ 0.50% · 4.625%
HK$48,275
+HK$2,769/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,012/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,638
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,915
−HK$1,296/mo
Today · 4.125%
HK$50,211
baseline
▲ 0.50% · 4.625%
HK$52,858
+HK$2,647/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,422/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,055
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,768
−HK$1,740/mo
Today · 4.125%
HK$58,508
baseline
▲ 0.50% · 4.625%
HK$62,068
+HK$3,560/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,016/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,249
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,891
−HK$1,667/mo
Today · 4.125%
HK$64,558
baseline
▲ 0.50% · 4.625%
HK$67,961
+HK$3,403/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,116/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,008 · Scale 2, in force from 26 Feb 2026)