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$30,480
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,428
−HK$964/mo
Today · 4.125%
HK$32,392
baseline
▲ 0.50% · 4.625%
HK$34,363
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,784/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,909
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,818
−HK$923/mo
Today · 4.125%
HK$35,741
baseline
▲ 0.50% · 4.625%
HK$37,625
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,482/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,576
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,714
−HK$1,156/mo
Today · 4.125%
HK$38,870
baseline
▲ 0.50% · 4.625%
HK$41,235
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,740/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,691
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,782
−HK$1,107/mo
Today · 4.125%
HK$42,889
baseline
▲ 0.50% · 4.625%
HK$45,150
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,778/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,672
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,000
−HK$1,348/mo
Today · 4.125%
HK$45,348
baseline
▲ 0.50% · 4.625%
HK$48,108
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,696/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,473
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,746
−HK$1,291/mo
Today · 4.125%
HK$50,037
baseline
▲ 0.50% · 4.625%
HK$52,675
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,074/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,864
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,571
−HK$1,734/mo
Today · 4.125%
HK$58,305
baseline
▲ 0.50% · 4.625%
HK$61,853
+HK$3,548/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,610/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,036
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,673
−HK$1,661/mo
Today · 4.125%
HK$64,334
baseline
▲ 0.50% · 4.625%
HK$67,725
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,668/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,264 · Scale 2, in force from 26 Feb 2026)