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$30,443
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,390
−HK$962/mo
Today · 4.125%
HK$32,352
baseline
▲ 0.50% · 4.625%
HK$34,321
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,704/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,868
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,776
−HK$921/mo
Today · 4.125%
HK$35,697
baseline
▲ 0.50% · 4.625%
HK$37,579
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,394/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,532
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,668
−HK$1,155/mo
Today · 4.125%
HK$38,823
baseline
▲ 0.50% · 4.625%
HK$41,185
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,646/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,641
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,731
−HK$1,106/mo
Today · 4.125%
HK$42,837
baseline
▲ 0.50% · 4.625%
HK$45,095
+HK$2,258/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,674/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,620
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,946
−HK$1,347/mo
Today · 4.125%
HK$45,293
baseline
▲ 0.50% · 4.625%
HK$48,049
+HK$2,756/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,586/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,415
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$48,686
−HK$1,290/mo
Today · 4.125%
HK$49,976
baseline
▲ 0.50% · 4.625%
HK$52,611
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,952/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,798
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$56,502
−HK$1,732/mo
Today · 4.125%
HK$58,234
baseline
▲ 0.50% · 4.625%
HK$61,777
+HK$3,543/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,468/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,962
−HK$3,293/mo
▼ 0.25% · 3.875%
HK$62,597
−HK$1,658/mo
Today · 4.125%
HK$64,255
baseline
▲ 0.50% · 4.625%
HK$67,642
+HK$3,387/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,510/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,653 · Scale 2, in force from 26 Feb 2026)