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$30,526
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,476
−HK$965/mo
Today · 4.125%
HK$32,441
baseline
▲ 0.50% · 4.625%
HK$34,414
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,882/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,960
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,871
−HK$924/mo
Today · 4.125%
HK$35,795
baseline
▲ 0.50% · 4.625%
HK$37,682
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,590/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,632
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,771
−HK$1,158/mo
Today · 4.125%
HK$38,929
baseline
▲ 0.50% · 4.625%
HK$41,297
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,858/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,752
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,845
−HK$1,109/mo
Today · 4.125%
HK$42,954
baseline
▲ 0.50% · 4.625%
HK$45,218
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,908/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,737
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,066
−HK$1,351/mo
Today · 4.125%
HK$45,417
baseline
▲ 0.50% · 4.625%
HK$48,180
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,834/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,544
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,819
−HK$1,294/mo
Today · 4.125%
HK$50,113
baseline
▲ 0.50% · 4.625%
HK$52,754
+HK$2,641/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,226/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,947
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,656
−HK$1,737/mo
Today · 4.125%
HK$58,393
baseline
▲ 0.50% · 4.625%
HK$61,946
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,786/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,021 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,128
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,768
−HK$1,663/mo
Today · 4.125%
HK$64,431
baseline
▲ 0.50% · 4.625%
HK$67,827
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,862/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,021 · Scale 2, in force from 26 Feb 2026)