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$30,472
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,420
−HK$963/mo
Today · 4.125%
HK$32,383
baseline
▲ 0.50% · 4.625%
HK$34,353
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,766/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,899
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,809
−HK$922/mo
Today · 4.125%
HK$35,731
baseline
▲ 0.50% · 4.625%
HK$37,614
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,462/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,566
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,703
−HK$1,156/mo
Today · 4.125%
HK$38,859
baseline
▲ 0.50% · 4.625%
HK$41,224
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,718/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,679
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,770
−HK$1,107/mo
Today · 4.125%
HK$42,877
baseline
▲ 0.50% · 4.625%
HK$45,137
+HK$2,260/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,754/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,660
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,987
−HK$1,349/mo
Today · 4.125%
HK$45,336
baseline
▲ 0.50% · 4.625%
HK$48,094
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,672/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,459
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,732
−HK$1,291/mo
Today · 4.125%
HK$50,023
baseline
▲ 0.50% · 4.625%
HK$52,660
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,046/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,849
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,555
−HK$1,734/mo
Today · 4.125%
HK$58,289
baseline
▲ 0.50% · 4.625%
HK$61,835
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,578/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,124 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,019
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,656
−HK$1,660/mo
Today · 4.125%
HK$64,316
baseline
▲ 0.50% · 4.625%
HK$67,706
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,632/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,124 · Scale 2, in force from 26 Feb 2026)