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$30,634
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,586
−HK$969/mo
Today · 4.125%
HK$32,555
baseline
▲ 0.50% · 4.625%
HK$34,535
+HK$1,980/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,110/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,080
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,994
−HK$927/mo
Today · 4.125%
HK$35,921
baseline
▲ 0.50% · 4.625%
HK$37,814
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,842/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,760
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,904
−HK$1,161/mo
Today · 4.125%
HK$39,065
baseline
▲ 0.50% · 4.625%
HK$41,442
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,130/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,895
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,992
−HK$1,113/mo
Today · 4.125%
HK$43,105
baseline
▲ 0.50% · 4.625%
HK$45,377
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,210/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,887
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,221
−HK$1,355/mo
Today · 4.125%
HK$45,576
baseline
▲ 0.50% · 4.625%
HK$48,350
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,152/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,711
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,991
−HK$1,298/mo
Today · 4.125%
HK$50,289
baseline
▲ 0.50% · 4.625%
HK$52,940
+HK$2,651/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,578/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,140
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,856
−HK$1,742/mo
Today · 4.125%
HK$58,598
baseline
▲ 0.50% · 4.625%
HK$62,164
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,196/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,343
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,988
−HK$1,669/mo
Today · 4.125%
HK$64,657
baseline
▲ 0.50% · 4.625%
HK$68,065
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,314/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,785 · Scale 2, in force from 26 Feb 2026)