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$30,460
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,407
−HK$963/mo
Today · 4.125%
HK$32,370
baseline
▲ 0.50% · 4.625%
HK$34,339
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,740/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,886
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,795
−HK$922/mo
Today · 4.125%
HK$35,717
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,434/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,551
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,688
−HK$1,156/mo
Today · 4.125%
HK$38,844
baseline
▲ 0.50% · 4.625%
HK$41,207
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,688/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,663
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,754
−HK$1,106/mo
Today · 4.125%
HK$42,860
baseline
▲ 0.50% · 4.625%
HK$45,119
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,720/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,643
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,970
−HK$1,347/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$48,075
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,440
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,713
−HK$1,290/mo
Today · 4.125%
HK$50,003
baseline
▲ 0.50% · 4.625%
HK$52,639
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,006/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,827
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,533
−HK$1,732/mo
Today · 4.125%
HK$58,265
baseline
▲ 0.50% · 4.625%
HK$61,811
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,530/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,995
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,630
−HK$1,660/mo
Today · 4.125%
HK$64,290
baseline
▲ 0.50% · 4.625%
HK$67,679
+HK$3,389/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,580/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,923 · Scale 2, in force from 26 Feb 2026)