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$30,508
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,457
−HK$965/mo
Today · 4.125%
HK$32,422
baseline
▲ 0.50% · 4.625%
HK$34,394
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,844/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,940
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,851
−HK$923/mo
Today · 4.125%
HK$35,774
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,548/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,610
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,749
−HK$1,157/mo
Today · 4.125%
HK$38,906
baseline
▲ 0.50% · 4.625%
HK$41,273
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,812/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,728
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,108/mo
Today · 4.125%
HK$42,929
baseline
▲ 0.50% · 4.625%
HK$45,192
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,858/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,712
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,040
−HK$1,350/mo
Today · 4.125%
HK$45,390
baseline
▲ 0.50% · 4.625%
HK$48,152
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,780/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,517
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,791
−HK$1,293/mo
Today · 4.125%
HK$50,084
baseline
▲ 0.50% · 4.625%
HK$52,724
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,168/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,915
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,623
−HK$1,736/mo
Today · 4.125%
HK$58,359
baseline
▲ 0.50% · 4.625%
HK$61,910
+HK$3,551/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,718/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,093
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,731
−HK$1,662/mo
Today · 4.125%
HK$64,393
baseline
▲ 0.50% · 4.625%
HK$67,788
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,786/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,728 · Scale 2, in force from 26 Feb 2026)