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$30,656
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,610
−HK$968/mo
Today · 4.125%
HK$32,578
baseline
▲ 0.50% · 4.625%
HK$34,561
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,156/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,104
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,019
−HK$928/mo
Today · 4.125%
HK$35,947
baseline
▲ 0.50% · 4.625%
HK$37,842
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,894/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,787
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,931
−HK$1,163/mo
Today · 4.125%
HK$39,094
baseline
▲ 0.50% · 4.625%
HK$41,473
+HK$2,379/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,188/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,925
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,023
−HK$1,113/mo
Today · 4.125%
HK$43,136
baseline
▲ 0.50% · 4.625%
HK$45,410
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,272/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,918
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,253
−HK$1,357/mo
Today · 4.125%
HK$45,610
baseline
▲ 0.50% · 4.625%
HK$48,385
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,220/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,746
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,027
−HK$1,299/mo
Today · 4.125%
HK$50,326
baseline
▲ 0.50% · 4.625%
HK$52,979
+HK$2,653/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,652/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,181
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,897
−HK$1,744/mo
Today · 4.125%
HK$58,641
baseline
▲ 0.50% · 4.625%
HK$62,209
+HK$3,568/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,282/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,154 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,388
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,034
−HK$1,671/mo
Today · 4.125%
HK$64,705
baseline
▲ 0.50% · 4.625%
HK$68,115
+HK$3,410/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,410/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,154 · Scale 2, in force from 26 Feb 2026)