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$30,475
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,423
−HK$963/mo
Today · 4.125%
HK$32,386
baseline
▲ 0.50% · 4.625%
HK$34,357
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,772/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,903
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,812
−HK$923/mo
Today · 4.125%
HK$35,735
baseline
▲ 0.50% · 4.625%
HK$37,619
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,470/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,570
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,708
−HK$1,155/mo
Today · 4.125%
HK$38,863
baseline
▲ 0.50% · 4.625%
HK$41,228
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,726/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,684
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,775
−HK$1,107/mo
Today · 4.125%
HK$42,882
baseline
▲ 0.50% · 4.625%
HK$45,142
+HK$2,260/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,764/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,665
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,992
−HK$1,349/mo
Today · 4.125%
HK$45,341
baseline
▲ 0.50% · 4.625%
HK$48,099
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,682/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,464
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,737
−HK$1,292/mo
Today · 4.125%
HK$50,029
baseline
▲ 0.50% · 4.625%
HK$52,666
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,058/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,855
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,561
−HK$1,734/mo
Today · 4.125%
HK$58,295
baseline
▲ 0.50% · 4.625%
HK$61,842
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,590/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,026
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,662
−HK$1,661/mo
Today · 4.125%
HK$64,323
baseline
▲ 0.50% · 4.625%
HK$67,713
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,646/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,179 · Scale 2, in force from 26 Feb 2026)