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$30,451
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,398
−HK$962/mo
Today · 4.125%
HK$32,360
baseline
▲ 0.50% · 4.625%
HK$34,329
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,720/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,876
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,785
−HK$921/mo
Today · 4.125%
HK$35,706
baseline
▲ 0.50% · 4.625%
HK$37,588
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,412/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,541
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,677
−HK$1,155/mo
Today · 4.125%
HK$38,832
baseline
▲ 0.50% · 4.625%
HK$41,195
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,664/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,651
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,741
−HK$1,106/mo
Today · 4.125%
HK$42,847
baseline
▲ 0.50% · 4.625%
HK$45,106
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,694/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,631
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,957
−HK$1,347/mo
Today · 4.125%
HK$45,304
baseline
▲ 0.50% · 4.625%
HK$48,061
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,608/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,426
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,698
−HK$1,291/mo
Today · 4.125%
HK$49,989
baseline
▲ 0.50% · 4.625%
HK$52,624
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,978/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,811
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,516
−HK$1,732/mo
Today · 4.125%
HK$58,248
baseline
▲ 0.50% · 4.625%
HK$61,792
+HK$3,544/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,496/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,776 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,977
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,612
−HK$1,659/mo
Today · 4.125%
HK$64,271
baseline
▲ 0.50% · 4.625%
HK$67,659
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,542/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,776 · Scale 2, in force from 26 Feb 2026)