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$30,620
−HK$1,920/mo
▼ 0.25% · 3.875%
HK$31,573
−HK$967/mo
Today · 4.125%
HK$32,540
baseline
▲ 0.50% · 4.625%
HK$34,520
+HK$1,980/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,080/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,065
−HK$1,840/mo
▼ 0.25% · 3.875%
HK$34,978
−HK$927/mo
Today · 4.125%
HK$35,905
baseline
▲ 0.50% · 4.625%
HK$37,798
+HK$1,893/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,810/mo (50% DSR)
Upfront cash ≈ HK$7.22M (deposit + AVD stamp duty HK$503,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,744
−HK$2,305/mo
▼ 0.25% · 3.875%
HK$37,887
−HK$1,162/mo
Today · 4.125%
HK$39,049
baseline
▲ 0.50% · 4.625%
HK$41,425
+HK$2,376/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$78,098/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,878
−HK$2,208/mo
▼ 0.25% · 3.875%
HK$41,974
−HK$1,112/mo
Today · 4.125%
HK$43,086
baseline
▲ 0.50% · 4.625%
HK$45,357
+HK$2,271/mo
Deposit HK$5.37M · loan HK$8.06M · min. income ≈ HK$86,172/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,868
−HK$2,689/mo
▼ 0.25% · 3.875%
HK$44,202
−HK$1,355/mo
Today · 4.125%
HK$45,557
baseline
▲ 0.50% · 4.625%
HK$48,329
+HK$2,772/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$91,114/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,691
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$48,970
−HK$1,297/mo
Today · 4.125%
HK$50,267
baseline
▲ 0.50% · 4.625%
HK$52,917
+HK$2,650/mo
Deposit HK$4.03M · loan HK$9.40M · min. income ≈ HK$100,534/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,117
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$56,831
−HK$1,742/mo
Today · 4.125%
HK$58,573
baseline
▲ 0.50% · 4.625%
HK$62,137
+HK$3,564/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$117,146/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,317
−HK$3,312/mo
▼ 0.25% · 3.875%
HK$62,961
−HK$1,668/mo
Today · 4.125%
HK$64,629
baseline
▲ 0.50% · 4.625%
HK$68,036
+HK$3,407/mo
Deposit HK$1.34M · loan HK$12.09M · min. income ≈ HK$129,258/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$503,567 · Scale 2, in force from 26 Feb 2026)