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$30,704
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,659
−HK$970/mo
Today · 4.125%
HK$32,629
baseline
▲ 0.50% · 4.625%
HK$34,615
+HK$1,986/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,258/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,158
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,074
−HK$929/mo
Today · 4.125%
HK$36,003
baseline
▲ 0.50% · 4.625%
HK$37,901
+HK$1,898/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,006/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,845
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,991
−HK$1,164/mo
Today · 4.125%
HK$39,155
baseline
▲ 0.50% · 4.625%
HK$41,538
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,310/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,989
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,089
−HK$1,115/mo
Today · 4.125%
HK$43,204
baseline
▲ 0.50% · 4.625%
HK$45,481
+HK$2,277/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,408/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,986
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,323
−HK$1,358/mo
Today · 4.125%
HK$45,681
baseline
▲ 0.50% · 4.625%
HK$48,461
+HK$2,780/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,362/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,821
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,104
−HK$1,301/mo
Today · 4.125%
HK$50,405
baseline
▲ 0.50% · 4.625%
HK$53,062
+HK$2,657/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,810/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,267
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,986
−HK$1,747/mo
Today · 4.125%
HK$58,733
baseline
▲ 0.50% · 4.625%
HK$62,307
+HK$3,574/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,466/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,944 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,484
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,133
−HK$1,673/mo
Today · 4.125%
HK$64,806
baseline
▲ 0.50% · 4.625%
HK$68,222
+HK$3,416/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,612/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,944 · Scale 2, in force from 26 Feb 2026)