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$30,514
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,464
−HK$964/mo
Today · 4.125%
HK$32,428
baseline
▲ 0.50% · 4.625%
HK$34,401
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,856/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,947
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,857
−HK$924/mo
Today · 4.125%
HK$35,781
baseline
▲ 0.50% · 4.625%
HK$37,667
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,562/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,617
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,756
−HK$1,158/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$41,281
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,828/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,736
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,108/mo
Today · 4.125%
HK$42,937
baseline
▲ 0.50% · 4.625%
HK$45,201
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,874/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,720
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,049
−HK$1,350/mo
Today · 4.125%
HK$45,399
baseline
▲ 0.50% · 4.625%
HK$48,162
+HK$2,763/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,798/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,526
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,800
−HK$1,294/mo
Today · 4.125%
HK$50,094
baseline
▲ 0.50% · 4.625%
HK$52,734
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,188/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,926
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,635
−HK$1,735/mo
Today · 4.125%
HK$58,370
baseline
▲ 0.50% · 4.625%
HK$61,922
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,740/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,743
−HK$1,663/mo
Today · 4.125%
HK$64,406
baseline
▲ 0.50% · 4.625%
HK$67,801
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,812/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,827 · Scale 2, in force from 26 Feb 2026)