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$30,657
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,610
−HK$969/mo
Today · 4.125%
HK$32,579
baseline
▲ 0.50% · 4.625%
HK$34,562
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,158/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,105
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,020
−HK$928/mo
Today · 4.125%
HK$35,948
baseline
▲ 0.50% · 4.625%
HK$37,843
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,896/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,788
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,932
−HK$1,163/mo
Today · 4.125%
HK$39,095
baseline
▲ 0.50% · 4.625%
HK$41,474
+HK$2,379/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,190/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,926
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,024
−HK$1,113/mo
Today · 4.125%
HK$43,137
baseline
▲ 0.50% · 4.625%
HK$45,411
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,274/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,919
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,254
−HK$1,357/mo
Today · 4.125%
HK$45,611
baseline
▲ 0.50% · 4.625%
HK$48,386
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,222/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,747
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,028
−HK$1,299/mo
Today · 4.125%
HK$50,327
baseline
▲ 0.50% · 4.625%
HK$52,980
+HK$2,653/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,654/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,182
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,899
−HK$1,744/mo
Today · 4.125%
HK$58,643
baseline
▲ 0.50% · 4.625%
HK$62,211
+HK$3,568/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,286/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,166 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,390
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,036
−HK$1,670/mo
Today · 4.125%
HK$64,706
baseline
▲ 0.50% · 4.625%
HK$68,117
+HK$3,411/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,412/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,166 · Scale 2, in force from 26 Feb 2026)