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$30,648
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,602
−HK$968/mo
Today · 4.125%
HK$32,570
baseline
▲ 0.50% · 4.625%
HK$34,552
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,140/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$504,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,096
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,010
−HK$928/mo
Today · 4.125%
HK$35,938
baseline
▲ 0.50% · 4.625%
HK$37,832
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,876/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$504,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,778
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,922
−HK$1,162/mo
Today · 4.125%
HK$39,084
baseline
▲ 0.50% · 4.625%
HK$41,462
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,168/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,915
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,012
−HK$1,113/mo
Today · 4.125%
HK$43,125
baseline
▲ 0.50% · 4.625%
HK$45,399
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,250/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,907
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,242
−HK$1,356/mo
Today · 4.125%
HK$45,598
baseline
▲ 0.50% · 4.625%
HK$48,373
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,196/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,734
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,014
−HK$1,299/mo
Today · 4.125%
HK$50,313
baseline
▲ 0.50% · 4.625%
HK$52,965
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,626/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,167
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,883
−HK$1,743/mo
Today · 4.125%
HK$58,626
baseline
▲ 0.50% · 4.625%
HK$62,193
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,252/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,372
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,018
−HK$1,670/mo
Today · 4.125%
HK$64,688
baseline
▲ 0.50% · 4.625%
HK$68,098
+HK$3,410/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,376/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,026 · Scale 2, in force from 26 Feb 2026)