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$30,525
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,474
−HK$965/mo
Today · 4.125%
HK$32,439
baseline
▲ 0.50% · 4.625%
HK$34,413
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,878/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$501,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,958
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,869
−HK$924/mo
Today · 4.125%
HK$35,793
baseline
▲ 0.50% · 4.625%
HK$37,680
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,586/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$501,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,629
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,769
−HK$1,157/mo
Today · 4.125%
HK$38,926
baseline
▲ 0.50% · 4.625%
HK$41,295
+HK$2,369/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,852/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,750
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,843
−HK$1,109/mo
Today · 4.125%
HK$42,952
baseline
▲ 0.50% · 4.625%
HK$45,216
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,904/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,734
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,064
−HK$1,350/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$48,178
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,542
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,817
−HK$1,293/mo
Today · 4.125%
HK$50,110
baseline
▲ 0.50% · 4.625%
HK$52,752
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,220/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,944
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,653
−HK$1,737/mo
Today · 4.125%
HK$58,390
baseline
▲ 0.50% · 4.625%
HK$61,943
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,780/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,125
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,764
−HK$1,663/mo
Today · 4.125%
HK$64,427
baseline
▲ 0.50% · 4.625%
HK$67,823
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,854/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,993 · Scale 2, in force from 26 Feb 2026)