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$30,639
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,592
−HK$968/mo
Today · 4.125%
HK$32,560
baseline
▲ 0.50% · 4.625%
HK$34,541
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,120/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,085
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$34,999
−HK$928/mo
Today · 4.125%
HK$35,927
baseline
▲ 0.50% · 4.625%
HK$37,820
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,854/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,766
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,910
−HK$1,162/mo
Today · 4.125%
HK$39,072
baseline
▲ 0.50% · 4.625%
HK$41,449
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,144/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,902
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,999
−HK$1,113/mo
Today · 4.125%
HK$43,112
baseline
▲ 0.50% · 4.625%
HK$45,384
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,224/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,894
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,228
−HK$1,356/mo
Today · 4.125%
HK$45,584
baseline
▲ 0.50% · 4.625%
HK$48,358
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,168/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,719
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,999
−HK$1,298/mo
Today · 4.125%
HK$50,297
baseline
▲ 0.50% · 4.625%
HK$52,949
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,594/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,149
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,865
−HK$1,743/mo
Today · 4.125%
HK$58,608
baseline
▲ 0.50% · 4.625%
HK$62,174
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,216/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,353
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,999
−HK$1,669/mo
Today · 4.125%
HK$64,668
baseline
▲ 0.50% · 4.625%
HK$68,077
+HK$3,409/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,336/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,868 · Scale 2, in force from 26 Feb 2026)