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$30,679
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,633
−HK$970/mo
Today · 4.125%
HK$32,603
baseline
▲ 0.50% · 4.625%
HK$34,587
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,206/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,130
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,046
−HK$928/mo
Today · 4.125%
HK$35,974
baseline
▲ 0.50% · 4.625%
HK$37,871
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,948/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,815
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,960
−HK$1,164/mo
Today · 4.125%
HK$39,124
baseline
▲ 0.50% · 4.625%
HK$41,504
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,248/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,956
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,055
−HK$1,114/mo
Today · 4.125%
HK$43,169
baseline
▲ 0.50% · 4.625%
HK$45,445
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,338/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,951
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,287
−HK$1,357/mo
Today · 4.125%
HK$45,644
baseline
▲ 0.50% · 4.625%
HK$48,422
+HK$2,778/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,288/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,782
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$49,064
−HK$1,300/mo
Today · 4.125%
HK$50,364
baseline
▲ 0.50% · 4.625%
HK$53,019
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,728/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,223
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,940
−HK$1,745/mo
Today · 4.125%
HK$58,685
baseline
▲ 0.50% · 4.625%
HK$62,256
+HK$3,571/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,370/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,536 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,435
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,082
−HK$1,672/mo
Today · 4.125%
HK$64,754
baseline
▲ 0.50% · 4.625%
HK$68,167
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,508/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,536 · Scale 2, in force from 26 Feb 2026)