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$30,493
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,442
−HK$963/mo
Today · 4.125%
HK$32,405
baseline
▲ 0.50% · 4.625%
HK$34,377
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,810/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,923
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,833
−HK$923/mo
Today · 4.125%
HK$35,756
baseline
▲ 0.50% · 4.625%
HK$37,641
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,512/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,592
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,730
−HK$1,156/mo
Today · 4.125%
HK$38,886
baseline
▲ 0.50% · 4.625%
HK$41,252
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,772/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,708
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,800
−HK$1,107/mo
Today · 4.125%
HK$42,907
baseline
▲ 0.50% · 4.625%
HK$45,169
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,814/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,690
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,018
−HK$1,349/mo
Today · 4.125%
HK$45,367
baseline
▲ 0.50% · 4.625%
HK$48,128
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,734/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,492
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,766
−HK$1,292/mo
Today · 4.125%
HK$50,058
baseline
▲ 0.50% · 4.625%
HK$52,697
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,116/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,887
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,595
−HK$1,734/mo
Today · 4.125%
HK$58,329
baseline
▲ 0.50% · 4.625%
HK$61,879
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,658/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,062
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,699
−HK$1,662/mo
Today · 4.125%
HK$64,361
baseline
▲ 0.50% · 4.625%
HK$67,753
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,722/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,474 · Scale 2, in force from 26 Feb 2026)