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$30,466
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,414
−HK$963/mo
Today · 4.125%
HK$32,377
baseline
▲ 0.50% · 4.625%
HK$34,347
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,754/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,894
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,803
−HK$922/mo
Today · 4.125%
HK$35,725
baseline
▲ 0.50% · 4.625%
HK$37,608
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,450/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,560
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,697
−HK$1,155/mo
Today · 4.125%
HK$38,852
baseline
▲ 0.50% · 4.625%
HK$41,216
+HK$2,364/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$77,704/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,672
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,763
−HK$1,107/mo
Today · 4.125%
HK$42,870
baseline
▲ 0.50% · 4.625%
HK$45,129
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$85,740/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,653
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,980
−HK$1,348/mo
Today · 4.125%
HK$45,328
baseline
▲ 0.50% · 4.625%
HK$48,086
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,656/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,451
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,724
−HK$1,291/mo
Today · 4.125%
HK$50,015
baseline
▲ 0.50% · 4.625%
HK$52,651
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,030/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,839
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,545
−HK$1,733/mo
Today · 4.125%
HK$58,278
baseline
▲ 0.50% · 4.625%
HK$61,824
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,556/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,008
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,645
−HK$1,659/mo
Today · 4.125%
HK$64,304
baseline
▲ 0.50% · 4.625%
HK$67,694
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,608/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,036 · Scale 2, in force from 26 Feb 2026)