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$30,465
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,412
−HK$963/mo
Today · 4.125%
HK$32,375
baseline
▲ 0.50% · 4.625%
HK$34,345
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,750/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,892
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,800
−HK$923/mo
Today · 4.125%
HK$35,723
baseline
▲ 0.50% · 4.625%
HK$37,606
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,446/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,557
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,695
−HK$1,155/mo
Today · 4.125%
HK$38,850
baseline
▲ 0.50% · 4.625%
HK$41,214
+HK$2,364/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$77,700/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,670
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,761
−HK$1,106/mo
Today · 4.125%
HK$42,867
baseline
▲ 0.50% · 4.625%
HK$45,127
+HK$2,260/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$85,734/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,650
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,977
−HK$1,348/mo
Today · 4.125%
HK$45,325
baseline
▲ 0.50% · 4.625%
HK$48,083
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,650/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,448
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,721
−HK$1,291/mo
Today · 4.125%
HK$50,012
baseline
▲ 0.50% · 4.625%
HK$52,648
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,024/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,836
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,542
−HK$1,733/mo
Today · 4.125%
HK$58,275
baseline
▲ 0.50% · 4.625%
HK$61,821
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,550/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,005
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,641
−HK$1,660/mo
Today · 4.125%
HK$64,301
baseline
▲ 0.50% · 4.625%
HK$67,690
+HK$3,389/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,602/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,006 · Scale 2, in force from 26 Feb 2026)