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$30,642
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,595
−HK$968/mo
Today · 4.125%
HK$32,563
baseline
▲ 0.50% · 4.625%
HK$34,545
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,126/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,089
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$35,003
−HK$927/mo
Today · 4.125%
HK$35,930
baseline
▲ 0.50% · 4.625%
HK$37,824
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,860/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,770
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,914
−HK$1,162/mo
Today · 4.125%
HK$39,076
baseline
▲ 0.50% · 4.625%
HK$41,454
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,152/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,906
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,003
−HK$1,113/mo
Today · 4.125%
HK$43,116
baseline
▲ 0.50% · 4.625%
HK$45,389
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,232/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,898
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,233
−HK$1,355/mo
Today · 4.125%
HK$45,588
baseline
▲ 0.50% · 4.625%
HK$48,362
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,176/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,724
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,004
−HK$1,298/mo
Today · 4.125%
HK$50,302
baseline
▲ 0.50% · 4.625%
HK$52,954
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,604/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,155
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,871
−HK$1,743/mo
Today · 4.125%
HK$58,614
baseline
▲ 0.50% · 4.625%
HK$62,180
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,228/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,359
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,005
−HK$1,670/mo
Today · 4.125%
HK$64,675
baseline
▲ 0.50% · 4.625%
HK$68,084
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,350/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,919 · Scale 2, in force from 26 Feb 2026)