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$30,496
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,445
−HK$964/mo
Today · 4.125%
HK$32,409
baseline
▲ 0.50% · 4.625%
HK$34,381
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,818/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,927
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,837
−HK$923/mo
Today · 4.125%
HK$35,760
baseline
▲ 0.50% · 4.625%
HK$37,645
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,520/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,595
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,734
−HK$1,156/mo
Today · 4.125%
HK$38,890
baseline
▲ 0.50% · 4.625%
HK$41,257
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,780/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,712
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,804
−HK$1,108/mo
Today · 4.125%
HK$42,912
baseline
▲ 0.50% · 4.625%
HK$45,173
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,824/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,695
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,023
−HK$1,349/mo
Today · 4.125%
HK$45,372
baseline
▲ 0.50% · 4.625%
HK$48,133
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,744/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,497
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,771
−HK$1,292/mo
Today · 4.125%
HK$50,063
baseline
▲ 0.50% · 4.625%
HK$52,702
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,126/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,893
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,601
−HK$1,734/mo
Today · 4.125%
HK$58,335
baseline
▲ 0.50% · 4.625%
HK$61,885
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,670/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,068
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,706
−HK$1,661/mo
Today · 4.125%
HK$64,367
baseline
▲ 0.50% · 4.625%
HK$67,760
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,734/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,525 · Scale 2, in force from 26 Feb 2026)