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$30,503
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,451
−HK$964/mo
Today · 4.125%
HK$32,415
baseline
▲ 0.50% · 4.625%
HK$34,388
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,830/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,934
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,844
−HK$923/mo
Today · 4.125%
HK$35,767
baseline
▲ 0.50% · 4.625%
HK$37,653
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,534/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,603
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,742
−HK$1,156/mo
Today · 4.125%
HK$38,898
baseline
▲ 0.50% · 4.625%
HK$41,265
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,796/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,721
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,813
−HK$1,108/mo
Today · 4.125%
HK$42,921
baseline
▲ 0.50% · 4.625%
HK$45,183
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,842/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,704
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,032
−HK$1,350/mo
Today · 4.125%
HK$45,382
baseline
▲ 0.50% · 4.625%
HK$48,143
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,764/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,507
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,781
−HK$1,293/mo
Today · 4.125%
HK$50,074
baseline
▲ 0.50% · 4.625%
HK$52,714
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,148/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,905
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,613
−HK$1,735/mo
Today · 4.125%
HK$58,348
baseline
▲ 0.50% · 4.625%
HK$61,898
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,696/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,632 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,081
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,719
−HK$1,662/mo
Today · 4.125%
HK$64,381
baseline
▲ 0.50% · 4.625%
HK$67,775
+HK$3,394/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,762/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,632 · Scale 2, in force from 26 Feb 2026)