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$30,513
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,463
−HK$964/mo
Today · 4.125%
HK$32,427
baseline
▲ 0.50% · 4.625%
HK$34,400
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,854/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,946
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,856
−HK$924/mo
Today · 4.125%
HK$35,780
baseline
▲ 0.50% · 4.625%
HK$37,666
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,560/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,616
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,755
−HK$1,157/mo
Today · 4.125%
HK$38,912
baseline
▲ 0.50% · 4.625%
HK$41,280
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,824/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,735
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,109/mo
Today · 4.125%
HK$42,936
baseline
▲ 0.50% · 4.625%
HK$45,199
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,872/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,719
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,048
−HK$1,350/mo
Today · 4.125%
HK$45,398
baseline
▲ 0.50% · 4.625%
HK$48,160
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,796/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,524
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,799
−HK$1,293/mo
Today · 4.125%
HK$50,092
baseline
▲ 0.50% · 4.625%
HK$52,732
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,184/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,924
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,633
−HK$1,735/mo
Today · 4.125%
HK$58,368
baseline
▲ 0.50% · 4.625%
HK$61,920
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,736/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,103
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,741
−HK$1,663/mo
Today · 4.125%
HK$64,404
baseline
▲ 0.50% · 4.625%
HK$67,798
+HK$3,394/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,808/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,809 · Scale 2, in force from 26 Feb 2026)