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$30,600
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,552
−HK$967/mo
Today · 4.125%
HK$32,519
baseline
▲ 0.50% · 4.625%
HK$34,498
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,038/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,042
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,955
−HK$926/mo
Today · 4.125%
HK$35,881
baseline
▲ 0.50% · 4.625%
HK$37,773
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,762/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,720
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,862
−HK$1,161/mo
Today · 4.125%
HK$39,023
baseline
▲ 0.50% · 4.625%
HK$41,397
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,046/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,851
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,946
−HK$1,112/mo
Today · 4.125%
HK$43,058
baseline
▲ 0.50% · 4.625%
HK$45,327
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,116/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,840
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,173
−HK$1,353/mo
Today · 4.125%
HK$45,526
baseline
▲ 0.50% · 4.625%
HK$48,297
+HK$2,771/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$91,052/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,659
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,937
−HK$1,297/mo
Today · 4.125%
HK$50,234
baseline
▲ 0.50% · 4.625%
HK$52,882
+HK$2,648/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$100,468/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,080
−HK$3,454/mo
▼ 0.25% · 3.875%
HK$56,793
−HK$1,741/mo
Today · 4.125%
HK$58,534
baseline
▲ 0.50% · 4.625%
HK$62,096
+HK$3,562/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,068/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,233 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,276
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,919
−HK$1,667/mo
Today · 4.125%
HK$64,586
baseline
▲ 0.50% · 4.625%
HK$67,991
+HK$3,405/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,172/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,233 · Scale 2, in force from 26 Feb 2026)