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$30,691
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,646
−HK$969/mo
Today · 4.125%
HK$32,615
baseline
▲ 0.50% · 4.625%
HK$34,600
+HK$1,985/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,230/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,143
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,059
−HK$929/mo
Today · 4.125%
HK$35,988
baseline
▲ 0.50% · 4.625%
HK$37,885
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,976/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,829
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,975
−HK$1,164/mo
Today · 4.125%
HK$39,139
baseline
▲ 0.50% · 4.625%
HK$41,520
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$78,278/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,972
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,071
−HK$1,115/mo
Today · 4.125%
HK$43,186
baseline
▲ 0.50% · 4.625%
HK$45,462
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$86,372/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,967
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,304
−HK$1,358/mo
Today · 4.125%
HK$45,662
baseline
▲ 0.50% · 4.625%
HK$48,440
+HK$2,778/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,324/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,801
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,083
−HK$1,300/mo
Today · 4.125%
HK$50,383
baseline
▲ 0.50% · 4.625%
HK$53,039
+HK$2,656/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,766/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,244
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,962
−HK$1,746/mo
Today · 4.125%
HK$58,708
baseline
▲ 0.50% · 4.625%
HK$62,280
+HK$3,572/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,416/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,458
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,106
−HK$1,672/mo
Today · 4.125%
HK$64,778
baseline
▲ 0.50% · 4.625%
HK$68,193
+HK$3,415/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,556/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,728 · Scale 2, in force from 26 Feb 2026)