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$30,515
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,464
−HK$964/mo
Today · 4.125%
HK$32,428
baseline
▲ 0.50% · 4.625%
HK$34,402
+HK$1,974/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$501,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,947
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,858
−HK$923/mo
Today · 4.125%
HK$35,781
baseline
▲ 0.50% · 4.625%
HK$37,668
+HK$1,887/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$501,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,618
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,757
−HK$1,157/mo
Today · 4.125%
HK$38,914
baseline
▲ 0.50% · 4.625%
HK$41,282
+HK$2,368/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$501,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,737
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,109/mo
Today · 4.125%
HK$42,938
baseline
▲ 0.50% · 4.625%
HK$45,201
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,876/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,721
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,050
−HK$1,350/mo
Today · 4.125%
HK$45,400
baseline
▲ 0.50% · 4.625%
HK$48,162
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,800/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,526
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,801
−HK$1,293/mo
Today · 4.125%
HK$50,094
baseline
▲ 0.50% · 4.625%
HK$52,735
+HK$2,641/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$501,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,927
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,635
−HK$1,736/mo
Today · 4.125%
HK$58,371
baseline
▲ 0.50% · 4.625%
HK$61,923
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,742/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,105
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,744
−HK$1,663/mo
Today · 4.125%
HK$64,407
baseline
▲ 0.50% · 4.625%
HK$67,802
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,814/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,832 · Scale 2, in force from 26 Feb 2026)