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$30,450
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,397
−HK$962/mo
Today · 4.125%
HK$32,359
baseline
▲ 0.50% · 4.625%
HK$34,328
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,718/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,875
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,784
−HK$921/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,587
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,410/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,540
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,676
−HK$1,155/mo
Today · 4.125%
HK$38,831
baseline
▲ 0.50% · 4.625%
HK$41,194
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,662/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,650
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,740
−HK$1,106/mo
Today · 4.125%
HK$42,846
baseline
▲ 0.50% · 4.625%
HK$45,105
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,692/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,630
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,956
−HK$1,347/mo
Today · 4.125%
HK$45,303
baseline
▲ 0.50% · 4.625%
HK$48,060
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,606/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,425
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,697
−HK$1,291/mo
Today · 4.125%
HK$49,988
baseline
▲ 0.50% · 4.625%
HK$52,622
+HK$2,634/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,976/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,810
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,515
−HK$1,732/mo
Today · 4.125%
HK$58,247
baseline
▲ 0.50% · 4.625%
HK$61,791
+HK$3,544/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,494/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,975
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,611
−HK$1,659/mo
Today · 4.125%
HK$64,270
baseline
▲ 0.50% · 4.625%
HK$67,657
+HK$3,387/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,540/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,765 · Scale 2, in force from 26 Feb 2026)