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$30,646
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,600
−HK$968/mo
Today · 4.125%
HK$32,568
baseline
▲ 0.50% · 4.625%
HK$34,550
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,136/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,094
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,008
−HK$928/mo
Today · 4.125%
HK$35,936
baseline
▲ 0.50% · 4.625%
HK$37,830
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,872/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,776
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,920
−HK$1,162/mo
Today · 4.125%
HK$39,082
baseline
▲ 0.50% · 4.625%
HK$41,460
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,164/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,913
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,010
−HK$1,113/mo
Today · 4.125%
HK$43,123
baseline
▲ 0.50% · 4.625%
HK$45,396
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,246/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,905
−HK$2,691/mo
▼ 0.25% · 3.875%
HK$44,240
−HK$1,356/mo
Today · 4.125%
HK$45,596
baseline
▲ 0.50% · 4.625%
HK$48,370
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,192/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,731
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,012
−HK$1,298/mo
Today · 4.125%
HK$50,310
baseline
▲ 0.50% · 4.625%
HK$52,962
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,620/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$503,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,164
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,880
−HK$1,743/mo
Today · 4.125%
HK$58,623
baseline
▲ 0.50% · 4.625%
HK$62,190
+HK$3,567/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,246/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,997 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,369
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,015
−HK$1,670/mo
Today · 4.125%
HK$64,685
baseline
▲ 0.50% · 4.625%
HK$68,094
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,370/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,997 · Scale 2, in force from 26 Feb 2026)