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$30,655
−HK$1,922/mo
▼ 0.25% · 3.875%
HK$31,608
−HK$969/mo
Today · 4.125%
HK$32,577
baseline
▲ 0.50% · 4.625%
HK$34,559
+HK$1,982/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$65,154/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,103
−HK$1,842/mo
▼ 0.25% · 3.875%
HK$35,018
−HK$927/mo
Today · 4.125%
HK$35,945
baseline
▲ 0.50% · 4.625%
HK$37,840
+HK$1,895/mo
Deposit HK$6.72M · loan HK$6.72M · min. income ≈ HK$71,890/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,786
−HK$2,306/mo
▼ 0.25% · 3.875%
HK$37,930
−HK$1,162/mo
Today · 4.125%
HK$39,092
baseline
▲ 0.50% · 4.625%
HK$41,471
+HK$2,379/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,184/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,924
−HK$2,210/mo
▼ 0.25% · 3.875%
HK$42,021
−HK$1,113/mo
Today · 4.125%
HK$43,134
baseline
▲ 0.50% · 4.625%
HK$45,408
+HK$2,274/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,268/mo (50% DSR)
Upfront cash ≈ HK$5.88M (deposit + AVD stamp duty HK$504,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,916
−HK$2,692/mo
▼ 0.25% · 3.875%
HK$44,251
−HK$1,357/mo
Today · 4.125%
HK$45,608
baseline
▲ 0.50% · 4.625%
HK$48,383
+HK$2,775/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$91,216/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,744
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$49,025
−HK$1,299/mo
Today · 4.125%
HK$50,324
baseline
▲ 0.50% · 4.625%
HK$52,976
+HK$2,652/mo
Deposit HK$4.03M · loan HK$9.41M · min. income ≈ HK$100,648/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,178
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$56,895
−HK$1,743/mo
Today · 4.125%
HK$58,638
baseline
▲ 0.50% · 4.625%
HK$62,206
+HK$3,568/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$117,276/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,385
−HK$3,317/mo
▼ 0.25% · 3.875%
HK$63,032
−HK$1,670/mo
Today · 4.125%
HK$64,702
baseline
▲ 0.50% · 4.625%
HK$68,112
+HK$3,410/mo
Deposit HK$1.34M · loan HK$12.10M · min. income ≈ HK$129,404/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,131 · Scale 2, in force from 26 Feb 2026)