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$30,619
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,571
−HK$968/mo
Today · 4.125%
HK$32,539
baseline
▲ 0.50% · 4.625%
HK$34,519
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,078/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,063
−HK$1,841/mo
▼ 0.25% · 3.875%
HK$34,977
−HK$927/mo
Today · 4.125%
HK$35,904
baseline
▲ 0.50% · 4.625%
HK$37,796
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,808/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,743
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,886
−HK$1,161/mo
Today · 4.125%
HK$39,047
baseline
▲ 0.50% · 4.625%
HK$41,423
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,094/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,876
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,972
−HK$1,112/mo
Today · 4.125%
HK$43,084
baseline
▲ 0.50% · 4.625%
HK$45,355
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,168/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,867
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,200
−HK$1,355/mo
Today · 4.125%
HK$45,555
baseline
▲ 0.50% · 4.625%
HK$48,327
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,110/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,689
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,968
−HK$1,297/mo
Today · 4.125%
HK$50,265
baseline
▲ 0.50% · 4.625%
HK$52,915
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,530/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,114
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,829
−HK$1,741/mo
Today · 4.125%
HK$58,570
baseline
▲ 0.50% · 4.625%
HK$62,134
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,140/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,314
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,958
−HK$1,669/mo
Today · 4.125%
HK$64,627
baseline
▲ 0.50% · 4.625%
HK$68,033
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,254/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,546 · Scale 2, in force from 26 Feb 2026)