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$30,650
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,604
−HK$968/mo
Today · 4.125%
HK$32,572
baseline
▲ 0.50% · 4.625%
HK$34,554
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,144/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$504,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,098
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,013
−HK$928/mo
Today · 4.125%
HK$35,941
baseline
▲ 0.50% · 4.625%
HK$37,835
+HK$1,894/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,882/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$504,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,781
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,925
−HK$1,162/mo
Today · 4.125%
HK$39,087
baseline
▲ 0.50% · 4.625%
HK$41,465
+HK$2,378/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$78,174/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,918
−HK$2,211/mo
▼ 0.25% · 3.875%
HK$42,015
−HK$1,114/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,402
+HK$2,273/mo
Deposit HK$5.38M · loan HK$8.06M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,911
−HK$2,690/mo
▼ 0.25% · 3.875%
HK$44,245
−HK$1,356/mo
Today · 4.125%
HK$45,601
baseline
▲ 0.50% · 4.625%
HK$48,376
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,202/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,738
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$49,018
−HK$1,299/mo
Today · 4.125%
HK$50,317
baseline
▲ 0.50% · 4.625%
HK$52,969
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,634/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,171
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$56,887
−HK$1,743/mo
Today · 4.125%
HK$58,630
baseline
▲ 0.50% · 4.625%
HK$62,198
+HK$3,568/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,260/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,377
−HK$3,316/mo
▼ 0.25% · 3.875%
HK$63,023
−HK$1,670/mo
Today · 4.125%
HK$64,693
baseline
▲ 0.50% · 4.625%
HK$68,103
+HK$3,410/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,386/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,063 · Scale 2, in force from 26 Feb 2026)