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$30,478
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,426
−HK$963/mo
Today · 4.125%
HK$32,389
baseline
▲ 0.50% · 4.625%
HK$34,360
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,778/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,907
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,816
−HK$923/mo
Today · 4.125%
HK$35,739
baseline
▲ 0.50% · 4.625%
HK$37,622
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,478/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,574
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,711
−HK$1,156/mo
Today · 4.125%
HK$38,867
baseline
▲ 0.50% · 4.625%
HK$41,232
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,734/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,688
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,779
−HK$1,107/mo
Today · 4.125%
HK$42,886
baseline
▲ 0.50% · 4.625%
HK$45,147
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,772/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,669
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,997
−HK$1,348/mo
Today · 4.125%
HK$45,345
baseline
▲ 0.50% · 4.625%
HK$48,104
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,690/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,469
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,742
−HK$1,292/mo
Today · 4.125%
HK$50,034
baseline
▲ 0.50% · 4.625%
HK$52,671
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,068/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,861
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,567
−HK$1,734/mo
Today · 4.125%
HK$58,301
baseline
▲ 0.50% · 4.625%
HK$61,848
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,602/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,230 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,032
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,669
−HK$1,660/mo
Today · 4.125%
HK$64,329
baseline
▲ 0.50% · 4.625%
HK$67,720
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,658/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,230 · Scale 2, in force from 26 Feb 2026)