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$30,482
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$963/mo
Today · 4.125%
HK$32,393
baseline
▲ 0.50% · 4.625%
HK$34,364
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,786/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,910
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,820
−HK$923/mo
Today · 4.125%
HK$35,743
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,486/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,578
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,716
−HK$1,156/mo
Today · 4.125%
HK$38,872
baseline
▲ 0.50% · 4.625%
HK$41,237
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,744/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,693
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,784
−HK$1,107/mo
Today · 4.125%
HK$42,891
baseline
▲ 0.50% · 4.625%
HK$45,152
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,782/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,674
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,002
−HK$1,348/mo
Today · 4.125%
HK$45,350
baseline
▲ 0.50% · 4.625%
HK$48,110
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,700/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,475
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,748
−HK$1,292/mo
Today · 4.125%
HK$50,040
baseline
▲ 0.50% · 4.625%
HK$52,677
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,080/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,867
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,574
−HK$1,734/mo
Today · 4.125%
HK$58,308
baseline
▲ 0.50% · 4.625%
HK$61,855
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,616/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,039
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,676
−HK$1,661/mo
Today · 4.125%
HK$64,337
baseline
▲ 0.50% · 4.625%
HK$67,728
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,674/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,286 · Scale 2, in force from 26 Feb 2026)