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$30,603
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,555
−HK$967/mo
Today · 4.125%
HK$32,522
baseline
▲ 0.50% · 4.625%
HK$34,501
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,044/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,046
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,959
−HK$926/mo
Today · 4.125%
HK$35,885
baseline
▲ 0.50% · 4.625%
HK$37,776
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,770/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,724
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,866
−HK$1,161/mo
Today · 4.125%
HK$39,027
baseline
▲ 0.50% · 4.625%
HK$41,401
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,054/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,855
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,950
−HK$1,112/mo
Today · 4.125%
HK$43,062
baseline
▲ 0.50% · 4.625%
HK$45,332
+HK$2,270/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,124/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,844
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,177
−HK$1,354/mo
Today · 4.125%
HK$45,531
baseline
▲ 0.50% · 4.625%
HK$48,301
+HK$2,770/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$91,062/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,664
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,942
−HK$1,297/mo
Today · 4.125%
HK$50,239
baseline
▲ 0.50% · 4.625%
HK$52,887
+HK$2,648/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$100,478/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,085
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,799
−HK$1,741/mo
Today · 4.125%
HK$58,540
baseline
▲ 0.50% · 4.625%
HK$62,102
+HK$3,562/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,080/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,282
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,926
−HK$1,667/mo
Today · 4.125%
HK$64,593
baseline
▲ 0.50% · 4.625%
HK$67,998
+HK$3,405/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,186/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,283 · Scale 2, in force from 26 Feb 2026)