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$30,483
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,431
−HK$964/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,366
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,912
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$922/mo
Today · 4.125%
HK$35,744
baseline
▲ 0.50% · 4.625%
HK$37,628
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,488/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,580
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,718
−HK$1,156/mo
Today · 4.125%
HK$38,874
baseline
▲ 0.50% · 4.625%
HK$41,239
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,748/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,695
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,786
−HK$1,107/mo
Today · 4.125%
HK$42,893
baseline
▲ 0.50% · 4.625%
HK$45,154
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,786/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,676
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,004
−HK$1,349/mo
Today · 4.125%
HK$45,353
baseline
▲ 0.50% · 4.625%
HK$48,112
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,706/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,477
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,750
−HK$1,292/mo
Today · 4.125%
HK$50,042
baseline
▲ 0.50% · 4.625%
HK$52,680
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,084/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,870
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,576
−HK$1,734/mo
Today · 4.125%
HK$58,310
baseline
▲ 0.50% · 4.625%
HK$61,858
+HK$3,548/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,620/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,042
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,679
−HK$1,661/mo
Today · 4.125%
HK$64,340
baseline
▲ 0.50% · 4.625%
HK$67,731
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,680/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,311 · Scale 2, in force from 26 Feb 2026)