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$30,681
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,635
−HK$970/mo
Today · 4.125%
HK$32,605
baseline
▲ 0.50% · 4.625%
HK$34,589
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,210/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,132
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,048
−HK$928/mo
Today · 4.125%
HK$35,976
baseline
▲ 0.50% · 4.625%
HK$37,873
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,952/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,817
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,962
−HK$1,164/mo
Today · 4.125%
HK$39,126
baseline
▲ 0.50% · 4.625%
HK$41,507
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,252/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,959
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,057
−HK$1,115/mo
Today · 4.125%
HK$43,172
baseline
▲ 0.50% · 4.625%
HK$45,447
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,344/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,953
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,289
−HK$1,358/mo
Today · 4.125%
HK$45,647
baseline
▲ 0.50% · 4.625%
HK$48,424
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,294/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,785
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,067
−HK$1,300/mo
Today · 4.125%
HK$50,367
baseline
▲ 0.50% · 4.625%
HK$53,022
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,734/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,226
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,944
−HK$1,745/mo
Today · 4.125%
HK$58,689
baseline
▲ 0.50% · 4.625%
HK$62,260
+HK$3,571/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,378/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,438
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,086
−HK$1,671/mo
Today · 4.125%
HK$64,757
baseline
▲ 0.50% · 4.625%
HK$68,171
+HK$3,414/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,514/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,565 · Scale 2, in force from 26 Feb 2026)