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$30,705
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,660
−HK$971/mo
Today · 4.125%
HK$32,631
baseline
▲ 0.50% · 4.625%
HK$34,616
+HK$1,985/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,262/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,159
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,075
−HK$930/mo
Today · 4.125%
HK$36,005
baseline
▲ 0.50% · 4.625%
HK$37,902
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,010/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,846
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,992
−HK$1,165/mo
Today · 4.125%
HK$39,157
baseline
▲ 0.50% · 4.625%
HK$41,539
+HK$2,382/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,314/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,991
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,090
−HK$1,116/mo
Today · 4.125%
HK$43,206
baseline
▲ 0.50% · 4.625%
HK$45,483
+HK$2,277/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,412/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,987
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,324
−HK$1,359/mo
Today · 4.125%
HK$45,683
baseline
▲ 0.50% · 4.625%
HK$48,462
+HK$2,779/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,366/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,823
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,105
−HK$1,301/mo
Today · 4.125%
HK$50,406
baseline
▲ 0.50% · 4.625%
HK$53,063
+HK$2,657/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,812/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,269
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,988
−HK$1,747/mo
Today · 4.125%
HK$58,735
baseline
▲ 0.50% · 4.625%
HK$62,309
+HK$3,574/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,470/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,961 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,486
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,135
−HK$1,673/mo
Today · 4.125%
HK$64,808
baseline
▲ 0.50% · 4.625%
HK$68,224
+HK$3,416/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,616/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,961 · Scale 2, in force from 26 Feb 2026)