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$30,675
−HK$1,924/mo
▼ 0.25% · 3.875%
HK$31,629
−HK$970/mo
Today · 4.125%
HK$32,599
baseline
▲ 0.50% · 4.625%
HK$34,582
+HK$1,983/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,198/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,126
−HK$1,844/mo
▼ 0.25% · 3.875%
HK$35,041
−HK$929/mo
Today · 4.125%
HK$35,970
baseline
▲ 0.50% · 4.625%
HK$37,866
+HK$1,896/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$71,940/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$504,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,810
−HK$2,309/mo
▼ 0.25% · 3.875%
HK$37,955
−HK$1,164/mo
Today · 4.125%
HK$39,119
baseline
▲ 0.50% · 4.625%
HK$41,499
+HK$2,380/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$78,238/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,951
−HK$2,212/mo
▼ 0.25% · 3.875%
HK$42,049
−HK$1,114/mo
Today · 4.125%
HK$43,163
baseline
▲ 0.50% · 4.625%
HK$45,439
+HK$2,276/mo
Deposit HK$5.38M · loan HK$8.07M · min. income ≈ HK$86,326/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$504,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,945
−HK$2,693/mo
▼ 0.25% · 3.875%
HK$44,281
−HK$1,357/mo
Today · 4.125%
HK$45,638
baseline
▲ 0.50% · 4.625%
HK$48,415
+HK$2,777/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$91,276/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,776
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$49,057
−HK$1,300/mo
Today · 4.125%
HK$50,357
baseline
▲ 0.50% · 4.625%
HK$53,012
+HK$2,655/mo
Deposit HK$4.04M · loan HK$9.42M · min. income ≈ HK$100,714/mo (50% DSR)
Upfront cash ≈ HK$4.54M (deposit + AVD stamp duty HK$504,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,215
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$56,933
−HK$1,745/mo
Today · 4.125%
HK$58,678
baseline
▲ 0.50% · 4.625%
HK$62,248
+HK$3,570/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$117,356/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,426
−HK$3,319/mo
▼ 0.25% · 3.875%
HK$63,074
−HK$1,671/mo
Today · 4.125%
HK$64,745
baseline
▲ 0.50% · 4.625%
HK$68,158
+HK$3,413/mo
Deposit HK$1.35M · loan HK$12.11M · min. income ≈ HK$129,490/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$504,469 · Scale 2, in force from 26 Feb 2026)