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$30,512
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,461
−HK$965/mo
Today · 4.125%
HK$32,426
baseline
▲ 0.50% · 4.625%
HK$34,399
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,852/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,945
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,855
−HK$924/mo
Today · 4.125%
HK$35,779
baseline
▲ 0.50% · 4.625%
HK$37,665
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,558/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,615
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,754
−HK$1,157/mo
Today · 4.125%
HK$38,911
baseline
▲ 0.50% · 4.625%
HK$41,279
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,822/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,734
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,826
−HK$1,108/mo
Today · 4.125%
HK$42,934
baseline
▲ 0.50% · 4.625%
HK$45,197
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,868/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,717
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,046
−HK$1,350/mo
Today · 4.125%
HK$45,396
baseline
▲ 0.50% · 4.625%
HK$48,158
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,792/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,523
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,797
−HK$1,293/mo
Today · 4.125%
HK$50,090
baseline
▲ 0.50% · 4.625%
HK$52,730
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,180/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,922
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,631
−HK$1,735/mo
Today · 4.125%
HK$58,366
baseline
▲ 0.50% · 4.625%
HK$61,918
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,732/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,100
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,739
−HK$1,662/mo
Today · 4.125%
HK$64,401
baseline
▲ 0.50% · 4.625%
HK$67,796
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,802/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,792 · Scale 2, in force from 26 Feb 2026)