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$30,483
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,432
−HK$963/mo
Today · 4.125%
HK$32,395
baseline
▲ 0.50% · 4.625%
HK$34,366
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,790/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,913
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,822
−HK$923/mo
Today · 4.125%
HK$35,745
baseline
▲ 0.50% · 4.625%
HK$37,629
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,490/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,580
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,718
−HK$1,156/mo
Today · 4.125%
HK$38,874
baseline
▲ 0.50% · 4.625%
HK$41,239
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,748/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,695
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,786
−HK$1,108/mo
Today · 4.125%
HK$42,894
baseline
▲ 0.50% · 4.625%
HK$45,155
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,788/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,677
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,004
−HK$1,349/mo
Today · 4.125%
HK$45,353
baseline
▲ 0.50% · 4.625%
HK$48,113
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,706/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,478
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,751
−HK$1,292/mo
Today · 4.125%
HK$50,043
baseline
▲ 0.50% · 4.625%
HK$52,680
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,086/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,870
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,577
−HK$1,734/mo
Today · 4.125%
HK$58,311
baseline
▲ 0.50% · 4.625%
HK$61,859
+HK$3,548/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,622/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,043
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,680
−HK$1,661/mo
Today · 4.125%
HK$64,341
baseline
▲ 0.50% · 4.625%
HK$67,732
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,682/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,317 · Scale 2, in force from 26 Feb 2026)