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$30,661
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,615
−HK$969/mo
Today · 4.125%
HK$32,584
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,168/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,110
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,025
−HK$928/mo
Today · 4.125%
HK$35,953
baseline
▲ 0.50% · 4.625%
HK$37,848
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,906/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,794
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,938
−HK$1,163/mo
Today · 4.125%
HK$39,101
baseline
▲ 0.50% · 4.625%
HK$41,480
+HK$2,379/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,202/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,932
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,030
−HK$1,114/mo
Today · 4.125%
HK$43,144
baseline
▲ 0.50% · 4.625%
HK$45,418
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,288/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,926
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,261
−HK$1,357/mo
Today · 4.125%
HK$45,618
baseline
▲ 0.50% · 4.625%
HK$48,393
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,236/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,755
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,035
−HK$1,300/mo
Today · 4.125%
HK$50,335
baseline
▲ 0.50% · 4.625%
HK$52,988
+HK$2,653/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,670/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,190
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,907
−HK$1,744/mo
Today · 4.125%
HK$58,651
baseline
▲ 0.50% · 4.625%
HK$62,220
+HK$3,569/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,302/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,242 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,399
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,045
−HK$1,671/mo
Today · 4.125%
HK$64,716
baseline
▲ 0.50% · 4.625%
HK$68,127
+HK$3,411/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,432/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,242 · Scale 2, in force from 26 Feb 2026)