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$30,693
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,648
−HK$970/mo
Today · 4.125%
HK$32,618
baseline
▲ 0.50% · 4.625%
HK$34,603
+HK$1,985/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,236/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,146
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,062
−HK$929/mo
Today · 4.125%
HK$35,991
baseline
▲ 0.50% · 4.625%
HK$37,888
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,982/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,832
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,977
−HK$1,164/mo
Today · 4.125%
HK$39,141
baseline
▲ 0.50% · 4.625%
HK$41,523
+HK$2,382/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$78,282/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,975
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,074
−HK$1,115/mo
Today · 4.125%
HK$43,189
baseline
▲ 0.50% · 4.625%
HK$45,465
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$86,378/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,970
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,307
−HK$1,358/mo
Today · 4.125%
HK$45,665
baseline
▲ 0.50% · 4.625%
HK$48,444
+HK$2,779/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,330/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,804
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,086
−HK$1,301/mo
Today · 4.125%
HK$50,387
baseline
▲ 0.50% · 4.625%
HK$53,043
+HK$2,656/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,774/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,248
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,966
−HK$1,746/mo
Today · 4.125%
HK$58,712
baseline
▲ 0.50% · 4.625%
HK$62,285
+HK$3,573/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,424/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,462
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,111
−HK$1,672/mo
Today · 4.125%
HK$64,783
baseline
▲ 0.50% · 4.625%
HK$68,198
+HK$3,415/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,566/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,765 · Scale 2, in force from 26 Feb 2026)