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$30,460
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$962/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,340
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,740/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,887
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,795
−HK$922/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,600
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,434/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,552
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,689
−HK$1,155/mo
Today · 4.125%
HK$38,844
baseline
▲ 0.50% · 4.625%
HK$41,208
+HK$2,364/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,688/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,664
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,754
−HK$1,107/mo
Today · 4.125%
HK$42,861
baseline
▲ 0.50% · 4.625%
HK$45,120
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,722/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,644
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,971
−HK$1,347/mo
Today · 4.125%
HK$45,318
baseline
▲ 0.50% · 4.625%
HK$48,076
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,636/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,441
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,714
−HK$1,290/mo
Today · 4.125%
HK$50,004
baseline
▲ 0.50% · 4.625%
HK$52,640
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,008/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,828
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,534
−HK$1,732/mo
Today · 4.125%
HK$58,266
baseline
▲ 0.50% · 4.625%
HK$61,812
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,532/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,996
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,632
−HK$1,659/mo
Today · 4.125%
HK$64,291
baseline
▲ 0.50% · 4.625%
HK$67,680
+HK$3,389/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,582/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,933 · Scale 2, in force from 26 Feb 2026)