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$30,636
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,589
−HK$968/mo
Today · 4.125%
HK$32,557
baseline
▲ 0.50% · 4.625%
HK$34,538
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,114/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,083
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$927/mo
Today · 4.125%
HK$35,924
baseline
▲ 0.50% · 4.625%
HK$37,818
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,848/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,764
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,907
−HK$1,162/mo
Today · 4.125%
HK$39,069
baseline
▲ 0.50% · 4.625%
HK$41,446
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,138/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,899
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,113/mo
Today · 4.125%
HK$43,109
baseline
▲ 0.50% · 4.625%
HK$45,381
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,218/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,891
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,225
−HK$1,355/mo
Today · 4.125%
HK$45,580
baseline
▲ 0.50% · 4.625%
HK$48,354
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,160/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,716
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,995
−HK$1,298/mo
Today · 4.125%
HK$50,293
baseline
▲ 0.50% · 4.625%
HK$52,945
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,586/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,145
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,861
−HK$1,742/mo
Today · 4.125%
HK$58,603
baseline
▲ 0.50% · 4.625%
HK$62,169
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,206/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,349
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,994
−HK$1,669/mo
Today · 4.125%
HK$64,663
baseline
▲ 0.50% · 4.625%
HK$68,072
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,326/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,830 · Scale 2, in force from 26 Feb 2026)