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$30,588
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,539
−HK$967/mo
Today · 4.125%
HK$32,506
baseline
▲ 0.50% · 4.625%
HK$34,484
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,012/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,029
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,941
−HK$926/mo
Today · 4.125%
HK$35,867
baseline
▲ 0.50% · 4.625%
HK$37,758
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,734/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,705
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,847
−HK$1,160/mo
Today · 4.125%
HK$39,007
baseline
▲ 0.50% · 4.625%
HK$41,380
+HK$2,373/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,014/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,834
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,929
−HK$1,111/mo
Today · 4.125%
HK$43,040
baseline
▲ 0.50% · 4.625%
HK$45,309
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,080/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,823
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,155
−HK$1,353/mo
Today · 4.125%
HK$45,508
baseline
▲ 0.50% · 4.625%
HK$48,277
+HK$2,769/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,016/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,640
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,918
−HK$1,296/mo
Today · 4.125%
HK$50,214
baseline
▲ 0.50% · 4.625%
HK$52,861
+HK$2,647/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,428/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,058
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,770
−HK$1,740/mo
Today · 4.125%
HK$58,510
baseline
▲ 0.50% · 4.625%
HK$62,071
+HK$3,561/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,020/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,251
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,894
−HK$1,667/mo
Today · 4.125%
HK$64,561
baseline
▲ 0.50% · 4.625%
HK$67,964
+HK$3,403/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,122/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,031 · Scale 2, in force from 26 Feb 2026)