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$30,678
−HK$1,923/mo
▼ 0.25% · 3.875%
HK$31,632
−HK$969/mo
Today · 4.125%
HK$32,601
baseline
▲ 0.50% · 4.625%
HK$34,585
+HK$1,984/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,202/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,129
−HK$1,843/mo
▼ 0.25% · 3.875%
HK$35,044
−HK$928/mo
Today · 4.125%
HK$35,972
baseline
▲ 0.50% · 4.625%
HK$37,869
+HK$1,897/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,944/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,813
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,958
−HK$1,164/mo
Today · 4.125%
HK$39,122
baseline
▲ 0.50% · 4.625%
HK$41,502
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,244/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,954
−HK$2,213/mo
▼ 0.25% · 3.875%
HK$42,053
−HK$1,114/mo
Today · 4.125%
HK$43,167
baseline
▲ 0.50% · 4.625%
HK$45,442
+HK$2,275/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,334/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,949
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,285
−HK$1,357/mo
Today · 4.125%
HK$45,642
baseline
▲ 0.50% · 4.625%
HK$48,419
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,284/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,780
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,061
−HK$1,300/mo
Today · 4.125%
HK$50,361
baseline
▲ 0.50% · 4.625%
HK$53,016
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,722/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,220
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,937
−HK$1,746/mo
Today · 4.125%
HK$58,683
baseline
▲ 0.50% · 4.625%
HK$62,253
+HK$3,570/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,366/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,431
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,079
−HK$1,671/mo
Today · 4.125%
HK$64,750
baseline
▲ 0.50% · 4.625%
HK$68,163
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,500/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,510 · Scale 2, in force from 26 Feb 2026)