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$30,477
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,425
−HK$963/mo
Today · 4.125%
HK$32,388
baseline
▲ 0.50% · 4.625%
HK$34,359
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,776/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,905
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,815
−HK$922/mo
Today · 4.125%
HK$35,737
baseline
▲ 0.50% · 4.625%
HK$37,621
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,474/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,573
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,710
−HK$1,156/mo
Today · 4.125%
HK$38,866
baseline
▲ 0.50% · 4.625%
HK$41,231
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,732/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,687
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,778
−HK$1,107/mo
Today · 4.125%
HK$42,885
baseline
▲ 0.50% · 4.625%
HK$45,145
+HK$2,260/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,770/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,668
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,995
−HK$1,349/mo
Today · 4.125%
HK$45,344
baseline
▲ 0.50% · 4.625%
HK$48,103
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,688/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,468
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,741
−HK$1,291/mo
Today · 4.125%
HK$50,032
baseline
▲ 0.50% · 4.625%
HK$52,669
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,064/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,859
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,565
−HK$1,734/mo
Today · 4.125%
HK$58,299
baseline
▲ 0.50% · 4.625%
HK$61,846
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,598/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,212 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,030
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,667
−HK$1,660/mo
Today · 4.125%
HK$64,327
baseline
▲ 0.50% · 4.625%
HK$67,718
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,654/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,212 · Scale 2, in force from 26 Feb 2026)