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$30,612
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,565
−HK$967/mo
Today · 4.125%
HK$32,532
baseline
▲ 0.50% · 4.625%
HK$34,512
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,064/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,056
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,969
−HK$927/mo
Today · 4.125%
HK$35,896
baseline
▲ 0.50% · 4.625%
HK$37,788
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,792/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,735
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,878
−HK$1,160/mo
Today · 4.125%
HK$39,038
baseline
▲ 0.50% · 4.625%
HK$41,414
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,076/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,867
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,963
−HK$1,112/mo
Today · 4.125%
HK$43,075
baseline
▲ 0.50% · 4.625%
HK$45,346
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,150/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,857
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,190
−HK$1,355/mo
Today · 4.125%
HK$45,545
baseline
▲ 0.50% · 4.625%
HK$48,316
+HK$2,771/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,090/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,678
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,957
−HK$1,297/mo
Today · 4.125%
HK$50,254
baseline
▲ 0.50% · 4.625%
HK$52,903
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,508/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,102
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,816
−HK$1,742/mo
Today · 4.125%
HK$58,558
baseline
▲ 0.50% · 4.625%
HK$62,121
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,116/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,301
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,945
−HK$1,668/mo
Today · 4.125%
HK$64,613
baseline
▲ 0.50% · 4.625%
HK$68,018
+HK$3,405/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,226/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,437 · Scale 2, in force from 26 Feb 2026)