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$30,494
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,443
−HK$963/mo
Today · 4.125%
HK$32,406
baseline
▲ 0.50% · 4.625%
HK$34,378
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,812/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,925
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,834
−HK$923/mo
Today · 4.125%
HK$35,757
baseline
▲ 0.50% · 4.625%
HK$37,642
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,514/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,593
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,731
−HK$1,157/mo
Today · 4.125%
HK$38,888
baseline
▲ 0.50% · 4.625%
HK$41,254
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,776/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,709
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,801
−HK$1,108/mo
Today · 4.125%
HK$42,909
baseline
▲ 0.50% · 4.625%
HK$45,171
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,818/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,692
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,020
−HK$1,349/mo
Today · 4.125%
HK$45,369
baseline
▲ 0.50% · 4.625%
HK$48,130
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,738/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,494
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,768
−HK$1,292/mo
Today · 4.125%
HK$50,060
baseline
▲ 0.50% · 4.625%
HK$52,699
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,120/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,890
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,597
−HK$1,735/mo
Today · 4.125%
HK$58,332
baseline
▲ 0.50% · 4.625%
HK$61,881
+HK$3,549/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,664/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,064
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,702
−HK$1,661/mo
Today · 4.125%
HK$64,363
baseline
▲ 0.50% · 4.625%
HK$67,756
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,726/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,494 · Scale 2, in force from 26 Feb 2026)