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$30,509
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,458
−HK$964/mo
Today · 4.125%
HK$32,422
baseline
▲ 0.50% · 4.625%
HK$34,395
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,844/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,941
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,851
−HK$924/mo
Today · 4.125%
HK$35,775
baseline
▲ 0.50% · 4.625%
HK$37,660
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,550/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,611
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,750
−HK$1,157/mo
Today · 4.125%
HK$38,907
baseline
▲ 0.50% · 4.625%
HK$41,274
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,814/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,729
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,822
−HK$1,108/mo
Today · 4.125%
HK$42,930
baseline
▲ 0.50% · 4.625%
HK$45,193
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,860/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,713
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,041
−HK$1,350/mo
Today · 4.125%
HK$45,391
baseline
▲ 0.50% · 4.625%
HK$48,153
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,782/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,517
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,792
−HK$1,293/mo
Today · 4.125%
HK$50,085
baseline
▲ 0.50% · 4.625%
HK$52,725
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,170/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,916
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,624
−HK$1,736/mo
Today · 4.125%
HK$58,360
baseline
▲ 0.50% · 4.625%
HK$61,911
+HK$3,551/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,720/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,094
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,732
−HK$1,663/mo
Today · 4.125%
HK$64,395
baseline
▲ 0.50% · 4.625%
HK$67,789
+HK$3,394/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,790/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,737 · Scale 2, in force from 26 Feb 2026)