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$30,616
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,568
−HK$968/mo
Today · 4.125%
HK$32,536
baseline
▲ 0.50% · 4.625%
HK$34,515
+HK$1,979/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,072/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,060
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,973
−HK$927/mo
Today · 4.125%
HK$35,900
baseline
▲ 0.50% · 4.625%
HK$37,792
+HK$1,892/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,800/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,739
−HK$2,304/mo
▼ 0.25% · 3.875%
HK$37,882
−HK$1,161/mo
Today · 4.125%
HK$39,043
baseline
▲ 0.50% · 4.625%
HK$41,419
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,086/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,872
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,968
−HK$1,112/mo
Today · 4.125%
HK$43,080
baseline
▲ 0.50% · 4.625%
HK$45,351
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,160/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,862
−HK$2,688/mo
▼ 0.25% · 3.875%
HK$44,195
−HK$1,355/mo
Today · 4.125%
HK$45,550
baseline
▲ 0.50% · 4.625%
HK$48,322
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,100/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,684
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,963
−HK$1,297/mo
Today · 4.125%
HK$50,260
baseline
▲ 0.50% · 4.625%
HK$52,909
+HK$2,649/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,520/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,109
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$56,823
−HK$1,741/mo
Today · 4.125%
HK$58,564
baseline
▲ 0.50% · 4.625%
HK$62,128
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$117,128/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,308
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,952
−HK$1,668/mo
Today · 4.125%
HK$64,620
baseline
▲ 0.50% · 4.625%
HK$68,026
+HK$3,406/mo
Deposit HK$1.34M · loan HK$12.08M · min. income ≈ HK$129,240/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,494 · Scale 2, in force from 26 Feb 2026)