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$30,581
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,532
−HK$966/mo
Today · 4.125%
HK$32,498
baseline
▲ 0.50% · 4.625%
HK$34,476
+HK$1,978/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$64,996/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,021
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,933
−HK$926/mo
Today · 4.125%
HK$35,859
baseline
▲ 0.50% · 4.625%
HK$37,749
+HK$1,890/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,718/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,697
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,838
−HK$1,160/mo
Today · 4.125%
HK$38,998
baseline
▲ 0.50% · 4.625%
HK$41,371
+HK$2,373/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$77,996/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,825
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,920
−HK$1,110/mo
Today · 4.125%
HK$43,030
baseline
▲ 0.50% · 4.625%
HK$45,298
+HK$2,268/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$86,060/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,813
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,144
−HK$1,353/mo
Today · 4.125%
HK$45,497
baseline
▲ 0.50% · 4.625%
HK$48,266
+HK$2,769/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,994/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,629
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,906
−HK$1,296/mo
Today · 4.125%
HK$50,202
baseline
▲ 0.50% · 4.625%
HK$52,848
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,404/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,045
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,757
−HK$1,740/mo
Today · 4.125%
HK$58,497
baseline
▲ 0.50% · 4.625%
HK$62,056
+HK$3,559/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,994/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,237
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,879
−HK$1,666/mo
Today · 4.125%
HK$64,545
baseline
▲ 0.50% · 4.625%
HK$67,948
+HK$3,403/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,090/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,913 · Scale 2, in force from 26 Feb 2026)