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$30,474
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,422
−HK$963/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,355
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,811
−HK$922/mo
Today · 4.125%
HK$35,733
baseline
▲ 0.50% · 4.625%
HK$37,617
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,466/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,569
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,706
−HK$1,156/mo
Today · 4.125%
HK$38,862
baseline
▲ 0.50% · 4.625%
HK$41,226
+HK$2,364/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,724/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,682
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,773
−HK$1,107/mo
Today · 4.125%
HK$42,880
baseline
▲ 0.50% · 4.625%
HK$45,140
+HK$2,260/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,760/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,663
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,990
−HK$1,349/mo
Today · 4.125%
HK$45,339
baseline
▲ 0.50% · 4.625%
HK$48,097
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,678/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,462
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,735
−HK$1,292/mo
Today · 4.125%
HK$50,027
baseline
▲ 0.50% · 4.625%
HK$52,664
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,054/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,853
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,559
−HK$1,734/mo
Today · 4.125%
HK$58,293
baseline
▲ 0.50% · 4.625%
HK$61,839
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,586/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,023
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,660
−HK$1,660/mo
Today · 4.125%
HK$64,320
baseline
▲ 0.50% · 4.625%
HK$67,710
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,640/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,157 · Scale 2, in force from 26 Feb 2026)