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$30,707
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,662
−HK$970/mo
Today · 4.125%
HK$32,632
baseline
▲ 0.50% · 4.625%
HK$34,618
+HK$1,986/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,264/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,161
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,077
−HK$929/mo
Today · 4.125%
HK$36,006
baseline
▲ 0.50% · 4.625%
HK$37,904
+HK$1,898/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,012/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,848
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,994
−HK$1,165/mo
Today · 4.125%
HK$39,159
baseline
▲ 0.50% · 4.625%
HK$41,541
+HK$2,382/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,318/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,993
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,092
−HK$1,116/mo
Today · 4.125%
HK$43,208
baseline
▲ 0.50% · 4.625%
HK$45,485
+HK$2,277/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,416/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,989
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,326
−HK$1,359/mo
Today · 4.125%
HK$45,685
baseline
▲ 0.50% · 4.625%
HK$48,465
+HK$2,780/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,370/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,825
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,108
−HK$1,301/mo
Today · 4.125%
HK$50,409
baseline
▲ 0.50% · 4.625%
HK$53,066
+HK$2,657/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,818/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,272
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,991
−HK$1,747/mo
Today · 4.125%
HK$58,738
baseline
▲ 0.50% · 4.625%
HK$62,312
+HK$3,574/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,476/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,489
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,138
−HK$1,673/mo
Today · 4.125%
HK$64,811
baseline
▲ 0.50% · 4.625%
HK$68,228
+HK$3,417/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,622/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,986 · Scale 2, in force from 26 Feb 2026)