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$30,496
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,444
−HK$964/mo
Today · 4.125%
HK$32,408
baseline
▲ 0.50% · 4.625%
HK$34,380
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,816/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,926
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,836
−HK$923/mo
Today · 4.125%
HK$35,759
baseline
▲ 0.50% · 4.625%
HK$37,644
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,518/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,595
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,733
−HK$1,157/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$41,256
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,711
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,803
−HK$1,108/mo
Today · 4.125%
HK$42,911
baseline
▲ 0.50% · 4.625%
HK$45,173
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,822/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,694
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,022
−HK$1,349/mo
Today · 4.125%
HK$45,371
baseline
▲ 0.50% · 4.625%
HK$48,132
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,742/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,497
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,770
−HK$1,293/mo
Today · 4.125%
HK$50,063
baseline
▲ 0.50% · 4.625%
HK$52,701
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,126/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,892
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,600
−HK$1,734/mo
Today · 4.125%
HK$58,334
baseline
▲ 0.50% · 4.625%
HK$61,884
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,668/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,067
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,705
−HK$1,661/mo
Today · 4.125%
HK$64,366
baseline
▲ 0.50% · 4.625%
HK$67,759
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,732/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,517 · Scale 2, in force from 26 Feb 2026)