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$30,455
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,402
−HK$963/mo
Today · 4.125%
HK$32,365
baseline
▲ 0.50% · 4.625%
HK$34,334
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,730/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,881
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,790
−HK$921/mo
Today · 4.125%
HK$35,711
baseline
▲ 0.50% · 4.625%
HK$37,594
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,422/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,546
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,683
−HK$1,155/mo
Today · 4.125%
HK$38,838
baseline
▲ 0.50% · 4.625%
HK$41,201
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,676/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,657
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,748
−HK$1,106/mo
Today · 4.125%
HK$42,854
baseline
▲ 0.50% · 4.625%
HK$45,113
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,708/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,637
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,963
−HK$1,348/mo
Today · 4.125%
HK$45,311
baseline
▲ 0.50% · 4.625%
HK$48,068
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,622/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,433
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,705
−HK$1,291/mo
Today · 4.125%
HK$49,996
baseline
▲ 0.50% · 4.625%
HK$52,631
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,992/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,819
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,524
−HK$1,733/mo
Today · 4.125%
HK$58,257
baseline
▲ 0.50% · 4.625%
HK$61,801
+HK$3,544/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,514/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,986
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,621
−HK$1,660/mo
Today · 4.125%
HK$64,281
baseline
▲ 0.50% · 4.625%
HK$67,669
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,562/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,849 · Scale 2, in force from 26 Feb 2026)