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$31,569
−HK$968/mo
Today · 4.125%
HK$32,537
baseline
▲ 0.50% · 4.625%
HK$34,516
+HK$1,979/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$503,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,061
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,974
−HK$927/mo
Today · 4.125%
HK$35,901
baseline
▲ 0.50% · 4.625%
HK$37,793
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,802/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,740
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,883
−HK$1,161/mo
Today · 4.125%
HK$39,044
baseline
▲ 0.50% · 4.625%
HK$41,420
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,088/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,873
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,969
−HK$1,112/mo
Today · 4.125%
HK$43,081
baseline
▲ 0.50% · 4.625%
HK$45,352
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,162/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,863
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,197
−HK$1,354/mo
Today · 4.125%
HK$45,551
baseline
▲ 0.50% · 4.625%
HK$48,323
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,102/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,685
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,964
−HK$1,297/mo
Today · 4.125%
HK$50,261
baseline
▲ 0.50% · 4.625%
HK$52,911
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,522/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,110
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,824
−HK$1,742/mo
Today · 4.125%
HK$58,566
baseline
▲ 0.50% · 4.625%
HK$62,129
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,132/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,309
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,954
−HK$1,668/mo
Today · 4.125%
HK$64,622
baseline
▲ 0.50% · 4.625%
HK$68,028
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,244/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,507 · Scale 2, in force from 26 Feb 2026)