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$30,638
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,591
−HK$968/mo
Today · 4.125%
HK$32,559
baseline
▲ 0.50% · 4.625%
HK$34,540
+HK$1,981/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,118/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,084
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,998
−HK$927/mo
Today · 4.125%
HK$35,925
baseline
▲ 0.50% · 4.625%
HK$37,819
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,850/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,765
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,909
−HK$1,162/mo
Today · 4.125%
HK$39,071
baseline
▲ 0.50% · 4.625%
HK$41,448
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,142/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,901
−HK$2,209/mo
▼ 0.25% · 3.875%
HK$41,998
−HK$1,112/mo
Today · 4.125%
HK$43,110
baseline
▲ 0.50% · 4.625%
HK$45,383
+HK$2,273/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,220/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,893
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,227
−HK$1,355/mo
Today · 4.125%
HK$45,582
baseline
▲ 0.50% · 4.625%
HK$48,356
+HK$2,774/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,164/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,718
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$48,997
−HK$1,299/mo
Today · 4.125%
HK$50,296
baseline
▲ 0.50% · 4.625%
HK$52,947
+HK$2,651/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,592/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,148
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$56,863
−HK$1,743/mo
Today · 4.125%
HK$58,606
baseline
▲ 0.50% · 4.625%
HK$62,172
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,212/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,351
−HK$3,315/mo
▼ 0.25% · 3.875%
HK$62,997
−HK$1,669/mo
Today · 4.125%
HK$64,666
baseline
▲ 0.50% · 4.625%
HK$68,074
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,332/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,851 · Scale 2, in force from 26 Feb 2026)