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$30,448
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,395
−HK$962/mo
Today · 4.125%
HK$32,357
baseline
▲ 0.50% · 4.625%
HK$34,326
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,714/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,873
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,781
−HK$922/mo
Today · 4.125%
HK$35,703
baseline
▲ 0.50% · 4.625%
HK$37,585
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,406/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,537
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,674
−HK$1,154/mo
Today · 4.125%
HK$38,828
baseline
▲ 0.50% · 4.625%
HK$41,191
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,656/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,647
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,737
−HK$1,106/mo
Today · 4.125%
HK$42,843
baseline
▲ 0.50% · 4.625%
HK$45,102
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,686/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,627
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,953
−HK$1,347/mo
Today · 4.125%
HK$45,300
baseline
▲ 0.50% · 4.625%
HK$48,056
+HK$2,756/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,600/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,422
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,694
−HK$1,290/mo
Today · 4.125%
HK$49,984
baseline
▲ 0.50% · 4.625%
HK$52,619
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,968/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,806
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,511
−HK$1,732/mo
Today · 4.125%
HK$58,243
baseline
▲ 0.50% · 4.625%
HK$61,787
+HK$3,544/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,486/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,729 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,971
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,606
−HK$1,659/mo
Today · 4.125%
HK$64,265
baseline
▲ 0.50% · 4.625%
HK$67,653
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,530/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,729 · Scale 2, in force from 26 Feb 2026)