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$30,687
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,642
−HK$969/mo
Today · 4.125%
HK$32,611
baseline
▲ 0.50% · 4.625%
HK$34,596
+HK$1,985/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,222/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,139
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,055
−HK$928/mo
Today · 4.125%
HK$35,983
baseline
▲ 0.50% · 4.625%
HK$37,880
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,966/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,824
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,970
−HK$1,164/mo
Today · 4.125%
HK$39,134
baseline
▲ 0.50% · 4.625%
HK$41,515
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,268/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,967
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,066
−HK$1,114/mo
Today · 4.125%
HK$43,180
baseline
▲ 0.50% · 4.625%
HK$45,456
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,360/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,962
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,298
−HK$1,358/mo
Today · 4.125%
HK$45,656
baseline
▲ 0.50% · 4.625%
HK$48,434
+HK$2,778/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,312/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,795
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,076
−HK$1,301/mo
Today · 4.125%
HK$50,377
baseline
▲ 0.50% · 4.625%
HK$53,032
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,754/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,237
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,955
−HK$1,745/mo
Today · 4.125%
HK$58,700
baseline
▲ 0.50% · 4.625%
HK$62,272
+HK$3,572/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,400/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,450
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,098
−HK$1,672/mo
Today · 4.125%
HK$64,770
baseline
▲ 0.50% · 4.625%
HK$68,184
+HK$3,414/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,540/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,665 · Scale 2, in force from 26 Feb 2026)