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$30,520
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,469
−HK$965/mo
Today · 4.125%
HK$32,434
baseline
▲ 0.50% · 4.625%
HK$34,407
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,868/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,953
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,864
−HK$924/mo
Today · 4.125%
HK$35,788
baseline
▲ 0.50% · 4.625%
HK$37,674
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,576/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,624
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,763
−HK$1,158/mo
Today · 4.125%
HK$38,921
baseline
▲ 0.50% · 4.625%
HK$41,289
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,842/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,744
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,837
−HK$1,108/mo
Today · 4.125%
HK$42,945
baseline
▲ 0.50% · 4.625%
HK$45,209
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,890/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,728
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,057
−HK$1,351/mo
Today · 4.125%
HK$45,408
baseline
▲ 0.50% · 4.625%
HK$48,170
+HK$2,762/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,816/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,535
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,809
−HK$1,294/mo
Today · 4.125%
HK$50,103
baseline
▲ 0.50% · 4.625%
HK$52,744
+HK$2,641/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,206/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,936
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,645
−HK$1,736/mo
Today · 4.125%
HK$58,381
baseline
▲ 0.50% · 4.625%
HK$61,933
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,762/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,116
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,755
−HK$1,663/mo
Today · 4.125%
HK$64,418
baseline
▲ 0.50% · 4.625%
HK$67,813
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,836/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,919 · Scale 2, in force from 26 Feb 2026)