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$30,519
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,469
−HK$964/mo
Today · 4.125%
HK$32,433
baseline
▲ 0.50% · 4.625%
HK$34,406
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,866/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,952
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,863
−HK$924/mo
Today · 4.125%
HK$35,787
baseline
▲ 0.50% · 4.625%
HK$37,673
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,574/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,623
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,762
−HK$1,158/mo
Today · 4.125%
HK$38,920
baseline
▲ 0.50% · 4.625%
HK$41,288
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,840/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,743
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,835
−HK$1,109/mo
Today · 4.125%
HK$42,944
baseline
▲ 0.50% · 4.625%
HK$45,208
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,888/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,727
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,056
−HK$1,350/mo
Today · 4.125%
HK$45,406
baseline
▲ 0.50% · 4.625%
HK$48,169
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,812/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,533
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,808
−HK$1,293/mo
Today · 4.125%
HK$50,101
baseline
▲ 0.50% · 4.625%
HK$52,742
+HK$2,641/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,202/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,935
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,643
−HK$1,736/mo
Today · 4.125%
HK$58,379
baseline
▲ 0.50% · 4.625%
HK$61,932
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,758/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,114
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,753
−HK$1,663/mo
Today · 4.125%
HK$64,416
baseline
▲ 0.50% · 4.625%
HK$67,811
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,832/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,904 · Scale 2, in force from 26 Feb 2026)