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$30,524
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,474
−HK$964/mo
Today · 4.125%
HK$32,438
baseline
▲ 0.50% · 4.625%
HK$34,412
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,876/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$501,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,958
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,869
−HK$923/mo
Today · 4.125%
HK$35,792
baseline
▲ 0.50% · 4.625%
HK$37,679
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,584/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$501,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,629
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,768
−HK$1,158/mo
Today · 4.125%
HK$38,926
baseline
▲ 0.50% · 4.625%
HK$41,294
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,852/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,749
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,842
−HK$1,109/mo
Today · 4.125%
HK$42,951
baseline
▲ 0.50% · 4.625%
HK$45,215
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,902/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,734
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,063
−HK$1,351/mo
Today · 4.125%
HK$45,414
baseline
▲ 0.50% · 4.625%
HK$48,177
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,828/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,541
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,816
−HK$1,293/mo
Today · 4.125%
HK$50,109
baseline
▲ 0.50% · 4.625%
HK$52,751
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,218/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,943
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,653
−HK$1,736/mo
Today · 4.125%
HK$58,389
baseline
▲ 0.50% · 4.625%
HK$61,942
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,778/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,124
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,763
−HK$1,663/mo
Today · 4.125%
HK$64,426
baseline
▲ 0.50% · 4.625%
HK$67,822
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,852/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,986 · Scale 2, in force from 26 Feb 2026)