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$1,913/mo
▼ 0.25% · 3.875%
HK$31,462
−HK$964/mo
Today · 4.125%
HK$32,426
baseline
▲ 0.50% · 4.625%
HK$34,399
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,852/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,945
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,856
−HK$923/mo
Today · 4.125%
HK$35,779
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,558/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,615
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,754
−HK$1,157/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$41,279
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,734
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,108/mo
Today · 4.125%
HK$42,935
baseline
▲ 0.50% · 4.625%
HK$45,198
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,870/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,718
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,047
−HK$1,350/mo
Today · 4.125%
HK$45,397
baseline
▲ 0.50% · 4.625%
HK$48,159
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,794/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,523
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,798
−HK$1,293/mo
Today · 4.125%
HK$50,091
baseline
▲ 0.50% · 4.625%
HK$52,731
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,182/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,923
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,631
−HK$1,736/mo
Today · 4.125%
HK$58,367
baseline
▲ 0.50% · 4.625%
HK$61,919
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,734/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,101
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,740
−HK$1,662/mo
Today · 4.125%
HK$64,402
baseline
▲ 0.50% · 4.625%
HK$67,797
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,804/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,799 · Scale 2, in force from 26 Feb 2026)