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$30,467
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,415
−HK$963/mo
Today · 4.125%
HK$32,378
baseline
▲ 0.50% · 4.625%
HK$34,348
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,756/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,894
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,803
−HK$922/mo
Today · 4.125%
HK$35,725
baseline
▲ 0.50% · 4.625%
HK$37,609
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,450/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,560
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,698
−HK$1,155/mo
Today · 4.125%
HK$38,853
baseline
▲ 0.50% · 4.625%
HK$41,217
+HK$2,364/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$77,706/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,673
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,764
−HK$1,107/mo
Today · 4.125%
HK$42,871
baseline
▲ 0.50% · 4.625%
HK$45,130
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$85,742/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,654
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,981
−HK$1,348/mo
Today · 4.125%
HK$45,329
baseline
▲ 0.50% · 4.625%
HK$48,087
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,658/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,452
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,725
−HK$1,291/mo
Today · 4.125%
HK$50,016
baseline
▲ 0.50% · 4.625%
HK$52,652
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,032/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,841
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,547
−HK$1,733/mo
Today · 4.125%
HK$58,280
baseline
▲ 0.50% · 4.625%
HK$61,826
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,560/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,047 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,010
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,646
−HK$1,660/mo
Today · 4.125%
HK$64,306
baseline
▲ 0.50% · 4.625%
HK$67,696
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,612/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,047 · Scale 2, in force from 26 Feb 2026)