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$30,605
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,557
−HK$967/mo
Today · 4.125%
HK$32,524
baseline
▲ 0.50% · 4.625%
HK$34,503
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,048/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,048
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,961
−HK$926/mo
Today · 4.125%
HK$35,887
baseline
▲ 0.50% · 4.625%
HK$37,779
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,774/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,726
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,869
−HK$1,160/mo
Today · 4.125%
HK$39,029
baseline
▲ 0.50% · 4.625%
HK$41,404
+HK$2,375/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,058/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,858
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,953
−HK$1,112/mo
Today · 4.125%
HK$43,065
baseline
▲ 0.50% · 4.625%
HK$45,335
+HK$2,270/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,130/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,847
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,180
−HK$1,354/mo
Today · 4.125%
HK$45,534
baseline
▲ 0.50% · 4.625%
HK$48,305
+HK$2,771/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,068/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,667
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,946
−HK$1,296/mo
Today · 4.125%
HK$50,242
baseline
▲ 0.50% · 4.625%
HK$52,891
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,484/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,089
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,803
−HK$1,741/mo
Today · 4.125%
HK$58,544
baseline
▲ 0.50% · 4.625%
HK$62,106
+HK$3,562/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,088/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,286
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,930
−HK$1,667/mo
Today · 4.125%
HK$64,597
baseline
▲ 0.50% · 4.625%
HK$68,002
+HK$3,405/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,194/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,319 · Scale 2, in force from 26 Feb 2026)