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$30,584
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,536
−HK$966/mo
Today · 4.125%
HK$32,502
baseline
▲ 0.50% · 4.625%
HK$34,480
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$65,004/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,025
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,937
−HK$926/mo
Today · 4.125%
HK$35,863
baseline
▲ 0.50% · 4.625%
HK$37,753
+HK$1,890/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,726/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,701
−HK$2,302/mo
▼ 0.25% · 3.875%
HK$37,843
−HK$1,160/mo
Today · 4.125%
HK$39,003
baseline
▲ 0.50% · 4.625%
HK$41,376
+HK$2,373/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$78,006/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,830
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,925
−HK$1,111/mo
Today · 4.125%
HK$43,036
baseline
▲ 0.50% · 4.625%
HK$45,304
+HK$2,268/mo
Deposit HK$5.37M · loan HK$8.05M · min. income ≈ HK$86,072/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,818
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,150
−HK$1,353/mo
Today · 4.125%
HK$45,503
baseline
▲ 0.50% · 4.625%
HK$48,272
+HK$2,769/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$91,006/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,635
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,912
−HK$1,296/mo
Today · 4.125%
HK$50,208
baseline
▲ 0.50% · 4.625%
HK$52,855
+HK$2,647/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,416/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,052
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,764
−HK$1,740/mo
Today · 4.125%
HK$58,504
baseline
▲ 0.50% · 4.625%
HK$62,064
+HK$3,560/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$117,008/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,244
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,887
−HK$1,666/mo
Today · 4.125%
HK$64,553
baseline
▲ 0.50% · 4.625%
HK$67,956
+HK$3,403/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,106/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,975 · Scale 2, in force from 26 Feb 2026)