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$30,490
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,438
−HK$964/mo
Today · 4.125%
HK$32,402
baseline
▲ 0.50% · 4.625%
HK$34,373
+HK$1,971/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,804/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,919
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,829
−HK$923/mo
Today · 4.125%
HK$35,752
baseline
▲ 0.50% · 4.625%
HK$37,637
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,504/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,726
−HK$1,156/mo
Today · 4.125%
HK$38,882
baseline
▲ 0.50% · 4.625%
HK$41,248
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,764/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,703
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,795
−HK$1,107/mo
Today · 4.125%
HK$42,902
baseline
▲ 0.50% · 4.625%
HK$45,164
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,804/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,685
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,013
−HK$1,349/mo
Today · 4.125%
HK$45,362
baseline
▲ 0.50% · 4.625%
HK$48,122
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,724/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,487
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,761
−HK$1,292/mo
Today · 4.125%
HK$50,053
baseline
▲ 0.50% · 4.625%
HK$52,691
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,106/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,881
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,588
−HK$1,735/mo
Today · 4.125%
HK$58,323
baseline
▲ 0.50% · 4.625%
HK$61,872
+HK$3,549/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,646/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,055
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,692
−HK$1,662/mo
Today · 4.125%
HK$64,354
baseline
▲ 0.50% · 4.625%
HK$67,746
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,708/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,418 · Scale 2, in force from 26 Feb 2026)