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$30,670
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,624
−HK$969/mo
Today · 4.125%
HK$32,593
baseline
▲ 0.50% · 4.625%
HK$34,576
+HK$1,983/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,186/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,120
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,035
−HK$928/mo
Today · 4.125%
HK$35,963
baseline
▲ 0.50% · 4.625%
HK$37,859
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,926/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,804
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,949
−HK$1,163/mo
Today · 4.125%
HK$39,112
baseline
▲ 0.50% · 4.625%
HK$41,492
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,224/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,944
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,042
−HK$1,114/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,431
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,938
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,273
−HK$1,357/mo
Today · 4.125%
HK$45,630
baseline
▲ 0.50% · 4.625%
HK$48,407
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,260/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,768
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,049
−HK$1,300/mo
Today · 4.125%
HK$50,349
baseline
▲ 0.50% · 4.625%
HK$53,003
+HK$2,654/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,698/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,206
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,923
−HK$1,745/mo
Today · 4.125%
HK$58,668
baseline
▲ 0.50% · 4.625%
HK$62,237
+HK$3,569/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,336/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,416
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,063
−HK$1,671/mo
Today · 4.125%
HK$64,734
baseline
▲ 0.50% · 4.625%
HK$68,146
+HK$3,412/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,468/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,382 · Scale 2, in force from 26 Feb 2026)