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$30,507
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,456
−HK$964/mo
Today · 4.125%
HK$32,420
baseline
▲ 0.50% · 4.625%
HK$34,393
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,840/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,939
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,849
−HK$923/mo
Today · 4.125%
HK$35,772
baseline
▲ 0.50% · 4.625%
HK$37,658
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,544/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,608
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,747
−HK$1,157/mo
Today · 4.125%
HK$38,904
baseline
▲ 0.50% · 4.625%
HK$41,271
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,808/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,726
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,819
−HK$1,108/mo
Today · 4.125%
HK$42,927
baseline
▲ 0.50% · 4.625%
HK$45,189
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,854/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,710
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,038
−HK$1,350/mo
Today · 4.125%
HK$45,388
baseline
▲ 0.50% · 4.625%
HK$48,150
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,776/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,514
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,788
−HK$1,293/mo
Today · 4.125%
HK$50,081
baseline
▲ 0.50% · 4.625%
HK$52,721
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,162/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,913
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,621
−HK$1,735/mo
Today · 4.125%
HK$58,356
baseline
▲ 0.50% · 4.625%
HK$61,907
+HK$3,551/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,712/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,090
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,728
−HK$1,662/mo
Today · 4.125%
HK$64,390
baseline
▲ 0.50% · 4.625%
HK$67,784
+HK$3,394/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,780/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,703 · Scale 2, in force from 26 Feb 2026)