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$30,703
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,658
−HK$970/mo
Today · 4.125%
HK$32,628
baseline
▲ 0.50% · 4.625%
HK$34,614
+HK$1,986/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,256/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,157
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,073
−HK$929/mo
Today · 4.125%
HK$36,002
baseline
▲ 0.50% · 4.625%
HK$37,900
+HK$1,898/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,004/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,843
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,989
−HK$1,165/mo
Today · 4.125%
HK$39,154
baseline
▲ 0.50% · 4.625%
HK$41,536
+HK$2,382/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,308/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,988
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,087
−HK$1,115/mo
Today · 4.125%
HK$43,202
baseline
▲ 0.50% · 4.625%
HK$45,480
+HK$2,278/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,404/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,984
−HK$2,695/mo
▼ 0.25% · 3.875%
HK$44,321
−HK$1,358/mo
Today · 4.125%
HK$45,679
baseline
▲ 0.50% · 4.625%
HK$48,459
+HK$2,780/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,358/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,819
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,102
−HK$1,301/mo
Today · 4.125%
HK$50,403
baseline
▲ 0.50% · 4.625%
HK$53,060
+HK$2,657/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,806/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,265
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,984
−HK$1,747/mo
Today · 4.125%
HK$58,731
baseline
▲ 0.50% · 4.625%
HK$62,304
+HK$3,573/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,462/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,482
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,131
−HK$1,673/mo
Today · 4.125%
HK$64,804
baseline
▲ 0.50% · 4.625%
HK$68,219
+HK$3,415/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,608/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,925 · Scale 2, in force from 26 Feb 2026)