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$30,502
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,451
−HK$964/mo
Today · 4.125%
HK$32,415
baseline
▲ 0.50% · 4.625%
HK$34,387
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,830/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,933
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,843
−HK$924/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,652
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,602
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,741
−HK$1,157/mo
Today · 4.125%
HK$38,898
baseline
▲ 0.50% · 4.625%
HK$41,265
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,796/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,720
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,812
−HK$1,108/mo
Today · 4.125%
HK$42,920
baseline
▲ 0.50% · 4.625%
HK$45,182
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,840/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,703
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,031
−HK$1,350/mo
Today · 4.125%
HK$45,381
baseline
▲ 0.50% · 4.625%
HK$48,142
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,762/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,506
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,781
−HK$1,292/mo
Today · 4.125%
HK$50,073
baseline
▲ 0.50% · 4.625%
HK$52,713
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,146/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,904
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,611
−HK$1,736/mo
Today · 4.125%
HK$58,347
baseline
▲ 0.50% · 4.625%
HK$61,897
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,694/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,080
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,718
−HK$1,662/mo
Today · 4.125%
HK$64,380
baseline
▲ 0.50% · 4.625%
HK$67,773
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,760/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,622 · Scale 2, in force from 26 Feb 2026)