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$30,673
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,627
−HK$970/mo
Today · 4.125%
HK$32,597
baseline
▲ 0.50% · 4.625%
HK$34,580
+HK$1,983/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,194/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,124
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,039
−HK$928/mo
Today · 4.125%
HK$35,967
baseline
▲ 0.50% · 4.625%
HK$37,863
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,934/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,808
−HK$2,308/mo
▼ 0.25% · 3.875%
HK$37,953
−HK$1,163/mo
Today · 4.125%
HK$39,116
baseline
▲ 0.50% · 4.625%
HK$41,496
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,232/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,949
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,047
−HK$1,114/mo
Today · 4.125%
HK$43,161
baseline
▲ 0.50% · 4.625%
HK$45,436
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,322/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,943
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,278
−HK$1,358/mo
Today · 4.125%
HK$45,636
baseline
▲ 0.50% · 4.625%
HK$48,412
+HK$2,776/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,272/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,773
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,055
−HK$1,299/mo
Today · 4.125%
HK$50,354
baseline
▲ 0.50% · 4.625%
HK$53,009
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,708/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,212
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$56,929
−HK$1,745/mo
Today · 4.125%
HK$58,674
baseline
▲ 0.50% · 4.625%
HK$62,244
+HK$3,570/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,348/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,423
−HK$3,318/mo
▼ 0.25% · 3.875%
HK$63,070
−HK$1,671/mo
Today · 4.125%
HK$64,741
baseline
▲ 0.50% · 4.625%
HK$68,154
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,482/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,439 · Scale 2, in force from 26 Feb 2026)