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$30,663
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,617
−HK$969/mo
Today · 4.125%
HK$32,586
baseline
▲ 0.50% · 4.625%
HK$34,569
+HK$1,983/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,172/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,112
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,027
−HK$928/mo
Today · 4.125%
HK$35,955
baseline
▲ 0.50% · 4.625%
HK$37,851
+HK$1,896/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,910/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,796
−HK$2,307/mo
▼ 0.25% · 3.875%
HK$37,940
−HK$1,163/mo
Today · 4.125%
HK$39,103
baseline
▲ 0.50% · 4.625%
HK$41,482
+HK$2,379/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,206/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,935
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,033
−HK$1,113/mo
Today · 4.125%
HK$43,146
baseline
▲ 0.50% · 4.625%
HK$45,421
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,292/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,928
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,264
−HK$1,356/mo
Today · 4.125%
HK$45,620
baseline
▲ 0.50% · 4.625%
HK$48,396
+HK$2,776/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,240/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,757
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,038
−HK$1,299/mo
Today · 4.125%
HK$50,337
baseline
▲ 0.50% · 4.625%
HK$52,991
+HK$2,654/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,674/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,193
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,910
−HK$1,745/mo
Today · 4.125%
HK$58,655
baseline
▲ 0.50% · 4.625%
HK$62,224
+HK$3,569/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,310/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,402
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,049
−HK$1,671/mo
Today · 4.125%
HK$64,720
baseline
▲ 0.50% · 4.625%
HK$68,131
+HK$3,411/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,440/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,270 · Scale 2, in force from 26 Feb 2026)