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$30,695
−HK$1,925/mo
▼ 0.25% · 3.875%
HK$31,650
−HK$970/mo
Today · 4.125%
HK$32,620
baseline
▲ 0.50% · 4.625%
HK$34,604
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,240/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,148
−HK$1,845/mo
▼ 0.25% · 3.875%
HK$35,063
−HK$930/mo
Today · 4.125%
HK$35,993
baseline
▲ 0.50% · 4.625%
HK$37,890
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,986/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$504,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,834
−HK$2,310/mo
▼ 0.25% · 3.875%
HK$37,979
−HK$1,165/mo
Today · 4.125%
HK$39,144
baseline
▲ 0.50% · 4.625%
HK$41,525
+HK$2,381/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$78,288/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,977
−HK$2,214/mo
▼ 0.25% · 3.875%
HK$42,076
−HK$1,115/mo
Today · 4.125%
HK$43,191
baseline
▲ 0.50% · 4.625%
HK$45,468
+HK$2,277/mo
Deposit HK$5.38M · loan HK$8.08M · min. income ≈ HK$86,382/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,973
−HK$2,694/mo
▼ 0.25% · 3.875%
HK$44,309
−HK$1,358/mo
Today · 4.125%
HK$45,667
baseline
▲ 0.50% · 4.625%
HK$48,446
+HK$2,779/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,334/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,807
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$49,089
−HK$1,301/mo
Today · 4.125%
HK$50,390
baseline
▲ 0.50% · 4.625%
HK$53,046
+HK$2,656/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,780/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,251
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$56,969
−HK$1,746/mo
Today · 4.125%
HK$58,715
baseline
▲ 0.50% · 4.625%
HK$62,288
+HK$3,573/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,430/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,466
−HK$3,321/mo
▼ 0.25% · 3.875%
HK$63,114
−HK$1,673/mo
Today · 4.125%
HK$64,787
baseline
▲ 0.50% · 4.625%
HK$68,202
+HK$3,415/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,574/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,792 · Scale 2, in force from 26 Feb 2026)