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$30,633
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,585
−HK$969/mo
Today · 4.125%
HK$32,554
baseline
▲ 0.50% · 4.625%
HK$34,534
+HK$1,980/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,108/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,078
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$34,992
−HK$928/mo
Today · 4.125%
HK$35,920
baseline
▲ 0.50% · 4.625%
HK$37,813
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,840/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,759
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,903
−HK$1,161/mo
Today · 4.125%
HK$39,064
baseline
▲ 0.50% · 4.625%
HK$41,441
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,128/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,894
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$41,991
−HK$1,113/mo
Today · 4.125%
HK$43,104
baseline
▲ 0.50% · 4.625%
HK$45,376
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,208/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,886
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,220
−HK$1,355/mo
Today · 4.125%
HK$45,575
baseline
▲ 0.50% · 4.625%
HK$48,348
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,150/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,710
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,989
−HK$1,298/mo
Today · 4.125%
HK$50,287
baseline
▲ 0.50% · 4.625%
HK$52,938
+HK$2,651/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,574/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,139
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,854
−HK$1,742/mo
Today · 4.125%
HK$58,596
baseline
▲ 0.50% · 4.625%
HK$62,162
+HK$3,566/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,192/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,770 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,341
−HK$3,314/mo
▼ 0.25% · 3.875%
HK$62,986
−HK$1,669/mo
Today · 4.125%
HK$64,655
baseline
▲ 0.50% · 4.625%
HK$68,063
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,310/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,770 · Scale 2, in force from 26 Feb 2026)