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$30,522
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,471
−HK$965/mo
Today · 4.125%
HK$32,436
baseline
▲ 0.50% · 4.625%
HK$34,409
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,872/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,955
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,866
−HK$924/mo
Today · 4.125%
HK$35,790
baseline
▲ 0.50% · 4.625%
HK$37,676
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,580/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,626
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,766
−HK$1,157/mo
Today · 4.125%
HK$38,923
baseline
▲ 0.50% · 4.625%
HK$41,291
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,846/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,746
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,839
−HK$1,109/mo
Today · 4.125%
HK$42,948
baseline
▲ 0.50% · 4.625%
HK$45,212
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,896/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,731
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,060
−HK$1,350/mo
Today · 4.125%
HK$45,410
baseline
▲ 0.50% · 4.625%
HK$48,173
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,820/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,537
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,812
−HK$1,294/mo
Today · 4.125%
HK$50,106
baseline
▲ 0.50% · 4.625%
HK$52,747
+HK$2,641/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,212/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,939
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,648
−HK$1,737/mo
Today · 4.125%
HK$58,385
baseline
▲ 0.50% · 4.625%
HK$61,937
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,770/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,119
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,759
−HK$1,663/mo
Today · 4.125%
HK$64,422
baseline
▲ 0.50% · 4.625%
HK$67,817
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,844/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,948 · Scale 2, in force from 26 Feb 2026)