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$30,640
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,593
−HK$968/mo
Today · 4.125%
HK$32,561
baseline
▲ 0.50% · 4.625%
HK$34,543
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,122/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,087
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$35,001
−HK$927/mo
Today · 4.125%
HK$35,928
baseline
▲ 0.50% · 4.625%
HK$37,822
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,856/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,768
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,912
−HK$1,161/mo
Today · 4.125%
HK$39,073
baseline
▲ 0.50% · 4.625%
HK$41,451
+HK$2,378/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,146/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,904
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,001
−HK$1,113/mo
Today · 4.125%
HK$43,114
baseline
▲ 0.50% · 4.625%
HK$45,386
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,228/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,896
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,230
−HK$1,356/mo
Today · 4.125%
HK$45,586
baseline
▲ 0.50% · 4.625%
HK$48,360
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,172/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,721
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$49,001
−HK$1,298/mo
Today · 4.125%
HK$50,299
baseline
▲ 0.50% · 4.625%
HK$52,951
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,598/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,152
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,867
−HK$1,743/mo
Today · 4.125%
HK$58,610
baseline
▲ 0.50% · 4.625%
HK$62,177
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,220/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,356
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$63,001
−HK$1,670/mo
Today · 4.125%
HK$64,671
baseline
▲ 0.50% · 4.625%
HK$68,080
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,342/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,889 · Scale 2, in force from 26 Feb 2026)