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$30,617
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,570
−HK$967/mo
Today · 4.125%
HK$32,537
baseline
▲ 0.50% · 4.625%
HK$34,517
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,074/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,062
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,975
−HK$927/mo
Today · 4.125%
HK$35,902
baseline
▲ 0.50% · 4.625%
HK$37,794
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,804/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,741
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,884
−HK$1,161/mo
Today · 4.125%
HK$39,045
baseline
▲ 0.50% · 4.625%
HK$41,421
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,090/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,874
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,970
−HK$1,112/mo
Today · 4.125%
HK$43,082
baseline
▲ 0.50% · 4.625%
HK$45,353
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,164/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,864
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,198
−HK$1,354/mo
Today · 4.125%
HK$45,552
baseline
▲ 0.50% · 4.625%
HK$48,324
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,104/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,686
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,965
−HK$1,298/mo
Today · 4.125%
HK$50,263
baseline
▲ 0.50% · 4.625%
HK$52,912
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,526/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,111
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,826
−HK$1,741/mo
Today · 4.125%
HK$58,567
baseline
▲ 0.50% · 4.625%
HK$62,131
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,134/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,521 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,311
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,955
−HK$1,668/mo
Today · 4.125%
HK$64,623
baseline
▲ 0.50% · 4.625%
HK$68,030
+HK$3,407/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,246/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,521 · Scale 2, in force from 26 Feb 2026)