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$30,625
−HK$1,921/mo
▼ 0.25% · 3.875%
HK$31,578
−HK$968/mo
Today · 4.125%
HK$32,546
baseline
▲ 0.50% · 4.625%
HK$34,526
+HK$1,980/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,092/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,071
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,984
−HK$927/mo
Today · 4.125%
HK$35,911
baseline
▲ 0.50% · 4.625%
HK$37,804
+HK$1,893/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,822/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,751
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,894
−HK$1,161/mo
Today · 4.125%
HK$39,055
baseline
▲ 0.50% · 4.625%
HK$41,432
+HK$2,377/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,110/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,885
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,981
−HK$1,112/mo
Today · 4.125%
HK$43,093
baseline
▲ 0.50% · 4.625%
HK$45,365
+HK$2,272/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,186/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$503,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,876
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,209
−HK$1,355/mo
Today · 4.125%
HK$45,564
baseline
▲ 0.50% · 4.625%
HK$48,337
+HK$2,773/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,128/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,699
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$48,978
−HK$1,298/mo
Today · 4.125%
HK$50,276
baseline
▲ 0.50% · 4.625%
HK$52,926
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,552/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,126
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$56,841
−HK$1,742/mo
Today · 4.125%
HK$58,583
baseline
▲ 0.50% · 4.625%
HK$62,147
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,166/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,652 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,327
−HK$3,313/mo
▼ 0.25% · 3.875%
HK$62,972
−HK$1,668/mo
Today · 4.125%
HK$64,640
baseline
▲ 0.50% · 4.625%
HK$68,048
+HK$3,408/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,280/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,652 · Scale 2, in force from 26 Feb 2026)