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$30,458
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$962/mo
Today · 4.125%
HK$32,368
baseline
▲ 0.50% · 4.625%
HK$34,338
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,736/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,885
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,793
−HK$922/mo
Today · 4.125%
HK$35,715
baseline
▲ 0.50% · 4.625%
HK$37,598
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,430/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,550
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,687
−HK$1,155/mo
Today · 4.125%
HK$38,842
baseline
▲ 0.50% · 4.625%
HK$41,206
+HK$2,364/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,684/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,662
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,752
−HK$1,106/mo
Today · 4.125%
HK$42,858
baseline
▲ 0.50% · 4.625%
HK$45,118
+HK$2,260/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,716/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,642
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,968
−HK$1,348/mo
Today · 4.125%
HK$45,316
baseline
▲ 0.50% · 4.625%
HK$48,073
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,632/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,439
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,711
−HK$1,291/mo
Today · 4.125%
HK$50,002
baseline
▲ 0.50% · 4.625%
HK$52,637
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,004/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,825
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,531
−HK$1,732/mo
Today · 4.125%
HK$58,263
baseline
▲ 0.50% · 4.625%
HK$61,808
+HK$3,545/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,526/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,906 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,993
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,628
−HK$1,660/mo
Today · 4.125%
HK$64,288
baseline
▲ 0.50% · 4.625%
HK$67,676
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,576/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,906 · Scale 2, in force from 26 Feb 2026)