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$30,492
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$964/mo
Today · 4.125%
HK$32,404
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,971/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,808/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,922
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,831
−HK$923/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,639
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,590
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,728
−HK$1,156/mo
Today · 4.125%
HK$38,884
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,768/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,706
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,798
−HK$1,107/mo
Today · 4.125%
HK$42,905
baseline
▲ 0.50% · 4.625%
HK$45,167
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,810/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,688
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,016
−HK$1,349/mo
Today · 4.125%
HK$45,365
baseline
▲ 0.50% · 4.625%
HK$48,126
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,730/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,490
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,764
−HK$1,292/mo
Today · 4.125%
HK$50,056
baseline
▲ 0.50% · 4.625%
HK$52,694
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,112/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,885
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,592
−HK$1,735/mo
Today · 4.125%
HK$58,327
baseline
▲ 0.50% · 4.625%
HK$61,876
+HK$3,549/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,654/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,059
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,696
−HK$1,662/mo
Today · 4.125%
HK$64,358
baseline
▲ 0.50% · 4.625%
HK$67,750
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,716/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,451 · Scale 2, in force from 26 Feb 2026)