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$30,599
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,550
−HK$967/mo
Today · 4.125%
HK$32,517
baseline
▲ 0.50% · 4.625%
HK$34,496
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,034/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,041
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,954
−HK$926/mo
Today · 4.125%
HK$35,880
baseline
▲ 0.50% · 4.625%
HK$37,771
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,760/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,718
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,861
−HK$1,160/mo
Today · 4.125%
HK$39,021
baseline
▲ 0.50% · 4.625%
HK$41,395
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,042/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,849
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,944
−HK$1,112/mo
Today · 4.125%
HK$43,056
baseline
▲ 0.50% · 4.625%
HK$45,325
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,112/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,838
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,171
−HK$1,353/mo
Today · 4.125%
HK$45,524
baseline
▲ 0.50% · 4.625%
HK$48,294
+HK$2,770/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$91,048/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,657
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$48,935
−HK$1,297/mo
Today · 4.125%
HK$50,232
baseline
▲ 0.50% · 4.625%
HK$52,879
+HK$2,647/mo
Deposit HK$4.03M · loan HK$9.39M · min. income ≈ HK$100,464/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,078
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,791
−HK$1,740/mo
Today · 4.125%
HK$58,531
baseline
▲ 0.50% · 4.625%
HK$62,093
+HK$3,562/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,062/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,273
−HK$3,311/mo
▼ 0.25% · 3.875%
HK$62,917
−HK$1,667/mo
Today · 4.125%
HK$64,584
baseline
▲ 0.50% · 4.625%
HK$67,988
+HK$3,404/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,168/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,211 · Scale 2, in force from 26 Feb 2026)