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$30,522
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,472
−HK$964/mo
Today · 4.125%
HK$32,436
baseline
▲ 0.50% · 4.625%
HK$34,410
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,872/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,956
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,866
−HK$924/mo
Today · 4.125%
HK$35,790
baseline
▲ 0.50% · 4.625%
HK$37,677
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,580/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,627
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,766
−HK$1,158/mo
Today · 4.125%
HK$38,924
baseline
▲ 0.50% · 4.625%
HK$41,292
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,848/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,747
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,840
−HK$1,108/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,212
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,731
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,060
−HK$1,351/mo
Today · 4.125%
HK$45,411
baseline
▲ 0.50% · 4.625%
HK$48,174
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,822/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,538
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,813
−HK$1,293/mo
Today · 4.125%
HK$50,106
baseline
▲ 0.50% · 4.625%
HK$52,748
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,212/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,940
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,649
−HK$1,736/mo
Today · 4.125%
HK$58,385
baseline
▲ 0.50% · 4.625%
HK$61,938
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,770/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,120
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,760
−HK$1,663/mo
Today · 4.125%
HK$64,423
baseline
▲ 0.50% · 4.625%
HK$67,818
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,846/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,956 · Scale 2, in force from 26 Feb 2026)