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$30,593
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,544
−HK$967/mo
Today · 4.125%
HK$32,511
baseline
▲ 0.50% · 4.625%
HK$34,489
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,022/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,034
−HK$1,839/mo
▼ 0.25% · 3.875%
HK$34,947
−HK$926/mo
Today · 4.125%
HK$35,873
baseline
▲ 0.50% · 4.625%
HK$37,764
+HK$1,891/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,746/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$503,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,711
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,853
−HK$1,160/mo
Today · 4.125%
HK$39,013
baseline
▲ 0.50% · 4.625%
HK$41,387
+HK$2,374/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,026/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,841
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,936
−HK$1,111/mo
Today · 4.125%
HK$43,047
baseline
▲ 0.50% · 4.625%
HK$45,316
+HK$2,269/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,094/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$503,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,830
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,162
−HK$1,353/mo
Today · 4.125%
HK$45,515
baseline
▲ 0.50% · 4.625%
HK$48,285
+HK$2,770/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,030/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,648
−HK$2,574/mo
▼ 0.25% · 3.875%
HK$48,925
−HK$1,297/mo
Today · 4.125%
HK$50,222
baseline
▲ 0.50% · 4.625%
HK$52,869
+HK$2,647/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,444/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$503,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,067
−HK$3,453/mo
▼ 0.25% · 3.875%
HK$56,780
−HK$1,740/mo
Today · 4.125%
HK$58,520
baseline
▲ 0.50% · 4.625%
HK$62,081
+HK$3,561/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,040/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,261
−HK$3,310/mo
▼ 0.25% · 3.875%
HK$62,904
−HK$1,667/mo
Today · 4.125%
HK$64,571
baseline
▲ 0.50% · 4.625%
HK$67,975
+HK$3,404/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,142/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$503,112 · Scale 2, in force from 26 Feb 2026)