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$30,627
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,580
−HK$967/mo
Today · 4.125%
HK$32,547
baseline
▲ 0.50% · 4.625%
HK$34,528
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,094/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,072
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,986
−HK$927/mo
Today · 4.125%
HK$35,913
baseline
▲ 0.50% · 4.625%
HK$37,806
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,826/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,752
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,895
−HK$1,162/mo
Today · 4.125%
HK$39,057
baseline
▲ 0.50% · 4.625%
HK$41,433
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,114/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,886
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,983
−HK$1,112/mo
Today · 4.125%
HK$43,095
baseline
▲ 0.50% · 4.625%
HK$45,367
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,190/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,878
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,211
−HK$1,355/mo
Today · 4.125%
HK$45,566
baseline
▲ 0.50% · 4.625%
HK$48,339
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,132/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,701
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,980
−HK$1,298/mo
Today · 4.125%
HK$50,278
baseline
▲ 0.50% · 4.625%
HK$52,928
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,556/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,128
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,843
−HK$1,742/mo
Today · 4.125%
HK$58,585
baseline
▲ 0.50% · 4.625%
HK$62,150
+HK$3,565/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,170/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,330
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,975
−HK$1,668/mo
Today · 4.125%
HK$64,643
baseline
▲ 0.50% · 4.625%
HK$68,051
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,286/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,675 · Scale 2, in force from 26 Feb 2026)