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$30,489
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,437
−HK$964/mo
Today · 4.125%
HK$32,401
baseline
▲ 0.50% · 4.625%
HK$34,372
+HK$1,971/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,802/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,919
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,828
−HK$923/mo
Today · 4.125%
HK$35,751
baseline
▲ 0.50% · 4.625%
HK$37,636
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,502/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,587
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,725
−HK$1,156/mo
Today · 4.125%
HK$38,881
baseline
▲ 0.50% · 4.625%
HK$41,247
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,762/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,702
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,794
−HK$1,107/mo
Today · 4.125%
HK$42,901
baseline
▲ 0.50% · 4.625%
HK$45,163
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,802/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,685
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,012
−HK$1,349/mo
Today · 4.125%
HK$45,361
baseline
▲ 0.50% · 4.625%
HK$48,121
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,722/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,486
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,760
−HK$1,292/mo
Today · 4.125%
HK$50,052
baseline
▲ 0.50% · 4.625%
HK$52,690
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,104/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,880
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,587
−HK$1,735/mo
Today · 4.125%
HK$58,322
baseline
▲ 0.50% · 4.625%
HK$61,870
+HK$3,548/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,644/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,054
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,691
−HK$1,661/mo
Today · 4.125%
HK$64,352
baseline
▲ 0.50% · 4.625%
HK$67,744
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,704/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,407 · Scale 2, in force from 26 Feb 2026)