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$30,499
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,447
−HK$964/mo
Today · 4.125%
HK$32,411
baseline
▲ 0.50% · 4.625%
HK$34,383
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,822/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,929
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,839
−HK$923/mo
Today · 4.125%
HK$35,762
baseline
▲ 0.50% · 4.625%
HK$37,647
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,524/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,598
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,737
−HK$1,156/mo
Today · 4.125%
HK$38,893
baseline
▲ 0.50% · 4.625%
HK$41,260
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,786/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,715
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,807
−HK$1,108/mo
Today · 4.125%
HK$42,915
baseline
▲ 0.50% · 4.625%
HK$45,177
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,830/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,698
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,026
−HK$1,349/mo
Today · 4.125%
HK$45,375
baseline
▲ 0.50% · 4.625%
HK$48,136
+HK$2,761/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,750/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,501
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,775
−HK$1,292/mo
Today · 4.125%
HK$50,067
baseline
▲ 0.50% · 4.625%
HK$52,706
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,134/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,897
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,605
−HK$1,735/mo
Today · 4.125%
HK$58,340
baseline
▲ 0.50% · 4.625%
HK$61,890
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,680/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,073
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,711
−HK$1,661/mo
Today · 4.125%
HK$64,372
baseline
▲ 0.50% · 4.625%
HK$67,765
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,744/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,564 · Scale 2, in force from 26 Feb 2026)