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$30,491
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,440
−HK$963/mo
Today · 4.125%
HK$32,403
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,806/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,921
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,831
−HK$923/mo
Today · 4.125%
HK$35,754
baseline
▲ 0.50% · 4.625%
HK$37,638
+HK$1,884/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,508/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,589
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,727
−HK$1,157/mo
Today · 4.125%
HK$38,884
baseline
▲ 0.50% · 4.625%
HK$41,250
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,768/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,705
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,797
−HK$1,107/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,166
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,687
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,015
−HK$1,349/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$48,125
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,489
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,292/mo
Today · 4.125%
HK$50,055
baseline
▲ 0.50% · 4.625%
HK$52,694
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,110/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,884
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,591
−HK$1,735/mo
Today · 4.125%
HK$58,326
baseline
▲ 0.50% · 4.625%
HK$61,875
+HK$3,549/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,652/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,442 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,058
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,695
−HK$1,662/mo
Today · 4.125%
HK$64,357
baseline
▲ 0.50% · 4.625%
HK$67,749
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,714/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,442 · Scale 2, in force from 26 Feb 2026)