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$30,524
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,473
−HK$965/mo
Today · 4.125%
HK$32,438
baseline
▲ 0.50% · 4.625%
HK$34,411
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,876/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,957
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,868
−HK$924/mo
Today · 4.125%
HK$35,792
baseline
▲ 0.50% · 4.625%
HK$37,678
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,584/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,628
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,768
−HK$1,157/mo
Today · 4.125%
HK$38,925
baseline
▲ 0.50% · 4.625%
HK$41,294
+HK$2,369/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,850/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,749
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,841
−HK$1,109/mo
Today · 4.125%
HK$42,950
baseline
▲ 0.50% · 4.625%
HK$45,214
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,900/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,733
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,062
−HK$1,351/mo
Today · 4.125%
HK$45,413
baseline
▲ 0.50% · 4.625%
HK$48,176
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,826/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,540
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,815
−HK$1,293/mo
Today · 4.125%
HK$50,108
baseline
▲ 0.50% · 4.625%
HK$52,750
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,216/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,942
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,651
−HK$1,737/mo
Today · 4.125%
HK$58,388
baseline
▲ 0.50% · 4.625%
HK$61,941
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,776/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,976 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,123
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,762
−HK$1,663/mo
Today · 4.125%
HK$64,425
baseline
▲ 0.50% · 4.625%
HK$67,821
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,850/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,976 · Scale 2, in force from 26 Feb 2026)