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$30,696
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,651
−HK$970/mo
Today · 4.125%
HK$32,621
baseline
▲ 0.50% · 4.625%
HK$34,605
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,242/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,149
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,065
−HK$929/mo
Today · 4.125%
HK$35,994
baseline
▲ 0.50% · 4.625%
HK$37,891
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,988/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,835
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,981
−HK$1,164/mo
Today · 4.125%
HK$39,145
baseline
▲ 0.50% · 4.625%
HK$41,527
+HK$2,382/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$78,290/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,978
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,077
−HK$1,115/mo
Today · 4.125%
HK$43,192
baseline
▲ 0.50% · 4.625%
HK$45,469
+HK$2,277/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$86,384/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,974
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,311
−HK$1,358/mo
Today · 4.125%
HK$45,669
baseline
▲ 0.50% · 4.625%
HK$48,448
+HK$2,779/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,338/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,808
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,090
−HK$1,301/mo
Today · 4.125%
HK$50,391
baseline
▲ 0.50% · 4.625%
HK$53,047
+HK$2,656/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,782/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,252
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$56,971
−HK$1,746/mo
Today · 4.125%
HK$58,717
baseline
▲ 0.50% · 4.625%
HK$62,290
+HK$3,573/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,434/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,468
−HK$3,320/mo
▼ 0.25% · 3.875%
HK$63,116
−HK$1,672/mo
Today · 4.125%
HK$64,788
baseline
▲ 0.50% · 4.625%
HK$68,204
+HK$3,416/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,576/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,807 · Scale 2, in force from 26 Feb 2026)