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$30,453
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,401
−HK$962/mo
Today · 4.125%
HK$32,363
baseline
▲ 0.50% · 4.625%
HK$34,332
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,726/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,879
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,788
−HK$922/mo
Today · 4.125%
HK$35,710
baseline
▲ 0.50% · 4.625%
HK$37,592
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,420/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,544
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,681
−HK$1,155/mo
Today · 4.125%
HK$38,836
baseline
▲ 0.50% · 4.625%
HK$41,199
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,672/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,655
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,745
−HK$1,106/mo
Today · 4.125%
HK$42,851
baseline
▲ 0.50% · 4.625%
HK$45,110
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,702/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,635
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,961
−HK$1,347/mo
Today · 4.125%
HK$45,308
baseline
▲ 0.50% · 4.625%
HK$48,065
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,616/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,431
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,703
−HK$1,290/mo
Today · 4.125%
HK$49,993
baseline
▲ 0.50% · 4.625%
HK$52,629
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,986/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,816
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,521
−HK$1,733/mo
Today · 4.125%
HK$58,254
baseline
▲ 0.50% · 4.625%
HK$61,798
+HK$3,544/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,508/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,982
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,618
−HK$1,659/mo
Today · 4.125%
HK$64,277
baseline
▲ 0.50% · 4.625%
HK$67,665
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,554/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,823 · Scale 2, in force from 26 Feb 2026)