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$30,527
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,476
−HK$965/mo
Today · 4.125%
HK$32,441
baseline
▲ 0.50% · 4.625%
HK$34,415
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,882/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,961
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,872
−HK$924/mo
Today · 4.125%
HK$35,796
baseline
▲ 0.50% · 4.625%
HK$37,682
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,592/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,632
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,772
−HK$1,157/mo
Today · 4.125%
HK$38,929
baseline
▲ 0.50% · 4.625%
HK$41,298
+HK$2,369/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,858/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,753
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,846
−HK$1,109/mo
Today · 4.125%
HK$42,955
baseline
▲ 0.50% · 4.625%
HK$45,219
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,910/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,737
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,067
−HK$1,351/mo
Today · 4.125%
HK$45,418
baseline
▲ 0.50% · 4.625%
HK$48,181
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,836/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,545
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,820
−HK$1,294/mo
Today · 4.125%
HK$50,114
baseline
▲ 0.50% · 4.625%
HK$52,755
+HK$2,641/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,228/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,948
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,657
−HK$1,737/mo
Today · 4.125%
HK$58,394
baseline
▲ 0.50% · 4.625%
HK$61,947
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,788/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,029 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,129
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,769
−HK$1,663/mo
Today · 4.125%
HK$64,432
baseline
▲ 0.50% · 4.625%
HK$67,828
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,864/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,029 · Scale 2, in force from 26 Feb 2026)