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$30,637
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,590
−HK$968/mo
Today · 4.125%
HK$32,558
baseline
▲ 0.50% · 4.625%
HK$34,539
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,116/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,083
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$34,997
−HK$928/mo
Today · 4.125%
HK$35,925
baseline
▲ 0.50% · 4.625%
HK$37,818
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,850/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,764
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,908
−HK$1,162/mo
Today · 4.125%
HK$39,070
baseline
▲ 0.50% · 4.625%
HK$41,447
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,140/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,900
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,997
−HK$1,113/mo
Today · 4.125%
HK$43,110
baseline
▲ 0.50% · 4.625%
HK$45,382
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,220/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,892
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,226
−HK$1,355/mo
Today · 4.125%
HK$45,581
baseline
▲ 0.50% · 4.625%
HK$48,355
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,162/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,717
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,996
−HK$1,299/mo
Today · 4.125%
HK$50,295
baseline
▲ 0.50% · 4.625%
HK$52,946
+HK$2,651/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,590/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,147
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,862
−HK$1,743/mo
Today · 4.125%
HK$58,605
baseline
▲ 0.50% · 4.625%
HK$62,171
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,210/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,350
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,995
−HK$1,670/mo
Today · 4.125%
HK$64,665
baseline
▲ 0.50% · 4.625%
HK$68,073
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,330/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,841 · Scale 2, in force from 26 Feb 2026)