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$30,501
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,450
−HK$964/mo
Today · 4.125%
HK$32,414
baseline
▲ 0.50% · 4.625%
HK$34,386
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,828/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,932
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,842
−HK$924/mo
Today · 4.125%
HK$35,766
baseline
▲ 0.50% · 4.625%
HK$37,651
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,532/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,602
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,740
−HK$1,157/mo
Today · 4.125%
HK$38,897
baseline
▲ 0.50% · 4.625%
HK$41,264
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,794/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,719
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,811
−HK$1,108/mo
Today · 4.125%
HK$42,919
baseline
▲ 0.50% · 4.625%
HK$45,181
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,838/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,702
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,030
−HK$1,350/mo
Today · 4.125%
HK$45,380
baseline
▲ 0.50% · 4.625%
HK$48,141
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,760/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,505
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,779
−HK$1,293/mo
Today · 4.125%
HK$50,072
baseline
▲ 0.50% · 4.625%
HK$52,711
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,144/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,902
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,610
−HK$1,735/mo
Today · 4.125%
HK$58,345
baseline
▲ 0.50% · 4.625%
HK$61,895
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,690/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,078
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,716
−HK$1,662/mo
Today · 4.125%
HK$64,378
baseline
▲ 0.50% · 4.625%
HK$67,772
+HK$3,394/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,756/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,610 · Scale 2, in force from 26 Feb 2026)