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$30,662
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,616
−HK$969/mo
Today · 4.125%
HK$32,585
baseline
▲ 0.50% · 4.625%
HK$34,567
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,170/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,111
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,026
−HK$928/mo
Today · 4.125%
HK$35,954
baseline
▲ 0.50% · 4.625%
HK$37,849
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,908/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,794
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,939
−HK$1,162/mo
Today · 4.125%
HK$39,101
baseline
▲ 0.50% · 4.625%
HK$41,481
+HK$2,380/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$504,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,933
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,031
−HK$1,114/mo
Today · 4.125%
HK$43,145
baseline
▲ 0.50% · 4.625%
HK$45,419
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,290/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,926
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,262
−HK$1,356/mo
Today · 4.125%
HK$45,618
baseline
▲ 0.50% · 4.625%
HK$48,394
+HK$2,776/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$504,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,755
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,036
−HK$1,299/mo
Today · 4.125%
HK$50,335
baseline
▲ 0.50% · 4.625%
HK$52,989
+HK$2,654/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$504,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,191
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,908
−HK$1,744/mo
Today · 4.125%
HK$58,652
baseline
▲ 0.50% · 4.625%
HK$62,221
+HK$3,569/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,304/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,400
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,046
−HK$1,671/mo
Today · 4.125%
HK$64,717
baseline
▲ 0.50% · 4.625%
HK$68,128
+HK$3,411/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,434/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,249 · Scale 2, in force from 26 Feb 2026)