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$30,452
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,399
−HK$962/mo
Today · 4.125%
HK$32,361
baseline
▲ 0.50% · 4.625%
HK$34,331
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,722/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,877
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,786
−HK$922/mo
Today · 4.125%
HK$35,708
baseline
▲ 0.50% · 4.625%
HK$37,590
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,416/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,542
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,679
−HK$1,155/mo
Today · 4.125%
HK$38,834
baseline
▲ 0.50% · 4.625%
HK$41,197
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,668/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,653
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,743
−HK$1,106/mo
Today · 4.125%
HK$42,849
baseline
▲ 0.50% · 4.625%
HK$45,108
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,698/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,633
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,959
−HK$1,347/mo
Today · 4.125%
HK$45,306
baseline
▲ 0.50% · 4.625%
HK$48,063
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,612/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,428
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,700
−HK$1,291/mo
Today · 4.125%
HK$49,991
baseline
▲ 0.50% · 4.625%
HK$52,626
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,982/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,813
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,518
−HK$1,733/mo
Today · 4.125%
HK$58,251
baseline
▲ 0.50% · 4.625%
HK$61,795
+HK$3,544/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,502/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,979
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,615
−HK$1,659/mo
Today · 4.125%
HK$64,274
baseline
▲ 0.50% · 4.625%
HK$67,662
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,548/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,797 · Scale 2, in force from 26 Feb 2026)