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$30,500
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$964/mo
Today · 4.125%
HK$32,413
baseline
▲ 0.50% · 4.625%
HK$34,385
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,826/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,931
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$923/mo
Today · 4.125%
HK$35,764
baseline
▲ 0.50% · 4.625%
HK$37,650
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,528/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,600
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,739
−HK$1,156/mo
Today · 4.125%
HK$38,895
baseline
▲ 0.50% · 4.625%
HK$41,262
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,790/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,717
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,108/mo
Today · 4.125%
HK$42,917
baseline
▲ 0.50% · 4.625%
HK$45,180
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,834/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,700
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,029
−HK$1,349/mo
Today · 4.125%
HK$45,378
baseline
▲ 0.50% · 4.625%
HK$48,139
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,756/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,504
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,778
−HK$1,292/mo
Today · 4.125%
HK$50,070
baseline
▲ 0.50% · 4.625%
HK$52,709
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,140/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,900
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,608
−HK$1,735/mo
Today · 4.125%
HK$58,343
baseline
▲ 0.50% · 4.625%
HK$61,893
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,686/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,593 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,076
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,714
−HK$1,662/mo
Today · 4.125%
HK$64,376
baseline
▲ 0.50% · 4.625%
HK$67,769
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,752/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,593 · Scale 2, in force from 26 Feb 2026)