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$30,462
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,410
−HK$962/mo
Today · 4.125%
HK$32,372
baseline
▲ 0.50% · 4.625%
HK$34,342
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,744/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,889
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,798
−HK$922/mo
Today · 4.125%
HK$35,720
baseline
▲ 0.50% · 4.625%
HK$37,602
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,440/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,554
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,692
−HK$1,155/mo
Today · 4.125%
HK$38,847
baseline
▲ 0.50% · 4.625%
HK$41,211
+HK$2,364/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$77,694/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,666
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,757
−HK$1,107/mo
Today · 4.125%
HK$42,864
baseline
▲ 0.50% · 4.625%
HK$45,123
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$85,728/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,647
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,973
−HK$1,348/mo
Today · 4.125%
HK$45,321
baseline
▲ 0.50% · 4.625%
HK$48,079
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,642/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,444
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,717
−HK$1,291/mo
Today · 4.125%
HK$50,008
baseline
▲ 0.50% · 4.625%
HK$52,643
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,016/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,832
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,537
−HK$1,733/mo
Today · 4.125%
HK$58,270
baseline
▲ 0.50% · 4.625%
HK$61,816
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,540/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,000
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,636
−HK$1,659/mo
Today · 4.125%
HK$64,295
baseline
▲ 0.50% · 4.625%
HK$67,684
+HK$3,389/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,590/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,965 · Scale 2, in force from 26 Feb 2026)