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$30,629
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,582
−HK$968/mo
Today · 4.125%
HK$32,550
baseline
▲ 0.50% · 4.625%
HK$34,531
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,100/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,075
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,989
−HK$927/mo
Today · 4.125%
HK$35,916
baseline
▲ 0.50% · 4.625%
HK$37,809
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,832/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,755
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,899
−HK$1,161/mo
Today · 4.125%
HK$39,060
baseline
▲ 0.50% · 4.625%
HK$41,437
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,120/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,890
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,987
−HK$1,112/mo
Today · 4.125%
HK$43,099
baseline
▲ 0.50% · 4.625%
HK$45,371
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,198/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,881
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,215
−HK$1,355/mo
Today · 4.125%
HK$45,570
baseline
▲ 0.50% · 4.625%
HK$48,343
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,140/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,705
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,984
−HK$1,298/mo
Today · 4.125%
HK$50,282
baseline
▲ 0.50% · 4.625%
HK$52,933
+HK$2,651/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,564/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,133
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,848
−HK$1,742/mo
Today · 4.125%
HK$58,590
baseline
▲ 0.50% · 4.625%
HK$62,155
+HK$3,565/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,180/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,718 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,335
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,980
−HK$1,669/mo
Today · 4.125%
HK$64,649
baseline
▲ 0.50% · 4.625%
HK$68,056
+HK$3,407/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,298/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,718 · Scale 2, in force from 26 Feb 2026)