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$30,591
−HK$1,919/mo
▼ 0.25% · 3.875%
HK$31,543
−HK$967/mo
Today · 4.125%
HK$32,510
baseline
▲ 0.50% · 4.625%
HK$34,488
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,020/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,033
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,945
−HK$926/mo
Today · 4.125%
HK$35,871
baseline
▲ 0.50% · 4.625%
HK$37,762
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,742/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,710
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,852
−HK$1,160/mo
Today · 4.125%
HK$39,012
baseline
▲ 0.50% · 4.625%
HK$41,386
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,024/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,839
−HK$2,207/mo
▼ 0.25% · 3.875%
HK$41,935
−HK$1,111/mo
Today · 4.125%
HK$43,046
baseline
▲ 0.50% · 4.625%
HK$45,315
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,092/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,828
−HK$2,686/mo
▼ 0.25% · 3.875%
HK$44,160
−HK$1,354/mo
Today · 4.125%
HK$45,514
baseline
▲ 0.50% · 4.625%
HK$48,283
+HK$2,769/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,028/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,646
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,924
−HK$1,296/mo
Today · 4.125%
HK$50,220
baseline
▲ 0.50% · 4.625%
HK$52,867
+HK$2,647/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,440/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,065
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,777
−HK$1,741/mo
Today · 4.125%
HK$58,518
baseline
▲ 0.50% · 4.625%
HK$62,078
+HK$3,560/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,036/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,259
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,902
−HK$1,667/mo
Today · 4.125%
HK$64,569
baseline
▲ 0.50% · 4.625%
HK$67,972
+HK$3,403/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,138/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,093 · Scale 2, in force from 26 Feb 2026)