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$30,671
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,625
−HK$969/mo
Today · 4.125%
HK$32,594
baseline
▲ 0.50% · 4.625%
HK$34,577
+HK$1,983/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,188/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,121
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,036
−HK$928/mo
Today · 4.125%
HK$35,964
baseline
▲ 0.50% · 4.625%
HK$37,860
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,928/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,805
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,949
−HK$1,164/mo
Today · 4.125%
HK$39,113
baseline
▲ 0.50% · 4.625%
HK$41,493
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,226/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,945
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,043
−HK$1,114/mo
Today · 4.125%
HK$43,157
baseline
▲ 0.50% · 4.625%
HK$45,432
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,314/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,939
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,274
−HK$1,357/mo
Today · 4.125%
HK$45,631
baseline
▲ 0.50% · 4.625%
HK$48,408
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,262/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,769
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,050
−HK$1,300/mo
Today · 4.125%
HK$50,350
baseline
▲ 0.50% · 4.625%
HK$53,004
+HK$2,654/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,700/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,207
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,924
−HK$1,745/mo
Today · 4.125%
HK$58,669
baseline
▲ 0.50% · 4.625%
HK$62,239
+HK$3,570/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,338/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,394 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,417
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,064
−HK$1,671/mo
Today · 4.125%
HK$64,735
baseline
▲ 0.50% · 4.625%
HK$68,148
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,470/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,394 · Scale 2, in force from 26 Feb 2026)