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$30,614
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,566
−HK$968/mo
Today · 4.125%
HK$32,534
baseline
▲ 0.50% · 4.625%
HK$34,513
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,068/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,058
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,971
−HK$927/mo
Today · 4.125%
HK$35,898
baseline
▲ 0.50% · 4.625%
HK$37,790
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,796/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,737
−HK$2,303/mo
▼ 0.25% · 3.875%
HK$37,879
−HK$1,161/mo
Today · 4.125%
HK$39,040
baseline
▲ 0.50% · 4.625%
HK$41,416
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,080/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,869
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,965
−HK$1,112/mo
Today · 4.125%
HK$43,077
baseline
▲ 0.50% · 4.625%
HK$45,348
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,154/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,860
−HK$2,687/mo
▼ 0.25% · 3.875%
HK$44,193
−HK$1,354/mo
Today · 4.125%
HK$45,547
baseline
▲ 0.50% · 4.625%
HK$48,319
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,094/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,681
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,960
−HK$1,297/mo
Today · 4.125%
HK$50,257
baseline
▲ 0.50% · 4.625%
HK$52,906
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,514/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,105
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,819
−HK$1,742/mo
Today · 4.125%
HK$58,561
baseline
▲ 0.50% · 4.625%
HK$62,124
+HK$3,563/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,122/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,304
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,948
−HK$1,668/mo
Today · 4.125%
HK$64,616
baseline
▲ 0.50% · 4.625%
HK$68,022
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,232/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,463 · Scale 2, in force from 26 Feb 2026)