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$30,497
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,446
−HK$964/mo
Today · 4.125%
HK$32,410
baseline
▲ 0.50% · 4.625%
HK$34,382
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,820/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,928
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,838
−HK$923/mo
Today · 4.125%
HK$35,761
baseline
▲ 0.50% · 4.625%
HK$37,646
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,522/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,597
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,735
−HK$1,157/mo
Today · 4.125%
HK$38,892
baseline
▲ 0.50% · 4.625%
HK$41,258
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,784/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,714
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,806
−HK$1,107/mo
Today · 4.125%
HK$42,913
baseline
▲ 0.50% · 4.625%
HK$45,175
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,826/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,696
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,025
−HK$1,349/mo
Today · 4.125%
HK$45,374
baseline
▲ 0.50% · 4.625%
HK$48,135
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,748/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,499
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,773
−HK$1,293/mo
Today · 4.125%
HK$50,066
baseline
▲ 0.50% · 4.625%
HK$52,705
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,132/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,895
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,603
−HK$1,735/mo
Today · 4.125%
HK$58,338
baseline
▲ 0.50% · 4.625%
HK$61,888
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,676/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,071
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,709
−HK$1,661/mo
Today · 4.125%
HK$64,370
baseline
▲ 0.50% · 4.625%
HK$67,763
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,740/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,548 · Scale 2, in force from 26 Feb 2026)