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$30,608
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,560
−HK$968/mo
Today · 4.125%
HK$32,528
baseline
▲ 0.50% · 4.625%
HK$34,507
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,056/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,052
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,965
−HK$926/mo
Today · 4.125%
HK$35,891
baseline
▲ 0.50% · 4.625%
HK$37,783
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,782/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,730
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,873
−HK$1,160/mo
Today · 4.125%
HK$39,033
baseline
▲ 0.50% · 4.625%
HK$41,408
+HK$2,375/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,066/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,862
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,958
−HK$1,111/mo
Today · 4.125%
HK$43,069
baseline
▲ 0.50% · 4.625%
HK$45,340
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,138/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,852
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,185
−HK$1,354/mo
Today · 4.125%
HK$45,539
baseline
▲ 0.50% · 4.625%
HK$48,310
+HK$2,771/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,078/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,672
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,951
−HK$1,297/mo
Today · 4.125%
HK$50,248
baseline
▲ 0.50% · 4.625%
HK$52,896
+HK$2,648/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,496/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,095
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,809
−HK$1,741/mo
Today · 4.125%
HK$58,550
baseline
▲ 0.50% · 4.625%
HK$62,113
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,100/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,293
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,937
−HK$1,667/mo
Today · 4.125%
HK$64,604
baseline
▲ 0.50% · 4.625%
HK$68,010
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,208/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,371 · Scale 2, in force from 26 Feb 2026)