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$30,674
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,628
−HK$970/mo
Today · 4.125%
HK$32,598
baseline
▲ 0.50% · 4.625%
HK$34,581
+HK$1,983/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,196/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,124
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,040
−HK$928/mo
Today · 4.125%
HK$35,968
baseline
▲ 0.50% · 4.625%
HK$37,864
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,936/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,809
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,954
−HK$1,163/mo
Today · 4.125%
HK$39,117
baseline
▲ 0.50% · 4.625%
HK$41,497
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,234/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,949
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,048
−HK$1,114/mo
Today · 4.125%
HK$43,162
baseline
▲ 0.50% · 4.625%
HK$45,437
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,324/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,944
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,279
−HK$1,358/mo
Today · 4.125%
HK$45,637
baseline
▲ 0.50% · 4.625%
HK$48,413
+HK$2,776/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,274/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,774
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,056
−HK$1,299/mo
Today · 4.125%
HK$50,355
baseline
▲ 0.50% · 4.625%
HK$53,010
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,710/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,213
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,931
−HK$1,745/mo
Today · 4.125%
HK$58,676
baseline
▲ 0.50% · 4.625%
HK$62,246
+HK$3,570/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,352/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,424
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,071
−HK$1,672/mo
Today · 4.125%
HK$64,743
baseline
▲ 0.50% · 4.625%
HK$68,155
+HK$3,412/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,486/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,450 · Scale 2, in force from 26 Feb 2026)