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$30,523
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,473
−HK$964/mo
Today · 4.125%
HK$32,437
baseline
▲ 0.50% · 4.625%
HK$34,411
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,874/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,957
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,867
−HK$924/mo
Today · 4.125%
HK$35,791
baseline
▲ 0.50% · 4.625%
HK$37,678
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,582/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,628
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,767
−HK$1,158/mo
Today · 4.125%
HK$38,925
baseline
▲ 0.50% · 4.625%
HK$41,293
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,850/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,748
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,841
−HK$1,109/mo
Today · 4.125%
HK$42,950
baseline
▲ 0.50% · 4.625%
HK$45,213
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,900/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,732
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,062
−HK$1,350/mo
Today · 4.125%
HK$45,412
baseline
▲ 0.50% · 4.625%
HK$48,175
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,824/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,539
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,814
−HK$1,294/mo
Today · 4.125%
HK$50,108
baseline
▲ 0.50% · 4.625%
HK$52,749
+HK$2,641/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,216/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,942
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,651
−HK$1,736/mo
Today · 4.125%
HK$58,387
baseline
▲ 0.50% · 4.625%
HK$61,940
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,774/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,969 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,122
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,761
−HK$1,663/mo
Today · 4.125%
HK$64,424
baseline
▲ 0.50% · 4.625%
HK$67,820
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,848/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,969 · Scale 2, in force from 26 Feb 2026)