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$30,659
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,612
−HK$969/mo
Today · 4.125%
HK$32,581
baseline
▲ 0.50% · 4.625%
HK$34,564
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,162/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,107
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,022
−HK$928/mo
Today · 4.125%
HK$35,950
baseline
▲ 0.50% · 4.625%
HK$37,845
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,900/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,790
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,935
−HK$1,162/mo
Today · 4.125%
HK$39,097
baseline
▲ 0.50% · 4.625%
HK$41,476
+HK$2,379/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,194/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,929
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,027
−HK$1,113/mo
Today · 4.125%
HK$43,140
baseline
▲ 0.50% · 4.625%
HK$45,414
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,280/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,922
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,257
−HK$1,357/mo
Today · 4.125%
HK$45,614
baseline
▲ 0.50% · 4.625%
HK$48,389
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,228/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,750
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,031
−HK$1,299/mo
Today · 4.125%
HK$50,330
baseline
▲ 0.50% · 4.625%
HK$52,983
+HK$2,653/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,660/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,185
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$56,902
−HK$1,744/mo
Today · 4.125%
HK$58,646
baseline
▲ 0.50% · 4.625%
HK$62,215
+HK$3,569/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,292/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,393
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,040
−HK$1,670/mo
Today · 4.125%
HK$64,710
baseline
▲ 0.50% · 4.625%
HK$68,121
+HK$3,411/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,420/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,197 · Scale 2, in force from 26 Feb 2026)