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$30,609
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,561
−HK$968/mo
Today · 4.125%
HK$32,529
baseline
▲ 0.50% · 4.625%
HK$34,508
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,058/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,053
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,966
−HK$926/mo
Today · 4.125%
HK$35,892
baseline
▲ 0.50% · 4.625%
HK$37,784
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,784/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,731
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,874
−HK$1,161/mo
Today · 4.125%
HK$39,035
baseline
▲ 0.50% · 4.625%
HK$41,410
+HK$2,375/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,070/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,863
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,959
−HK$1,112/mo
Today · 4.125%
HK$43,071
baseline
▲ 0.50% · 4.625%
HK$45,341
+HK$2,270/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,142/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,853
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,186
−HK$1,354/mo
Today · 4.125%
HK$45,540
baseline
▲ 0.50% · 4.625%
HK$48,311
+HK$2,771/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,080/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,674
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,952
−HK$1,297/mo
Today · 4.125%
HK$50,249
baseline
▲ 0.50% · 4.625%
HK$52,898
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,498/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,097
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,811
−HK$1,741/mo
Today · 4.125%
HK$58,552
baseline
▲ 0.50% · 4.625%
HK$62,115
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,104/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,295
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,939
−HK$1,667/mo
Today · 4.125%
HK$64,606
baseline
▲ 0.50% · 4.625%
HK$68,012
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,212/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,387 · Scale 2, in force from 26 Feb 2026)