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$30,461
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,409
−HK$962/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,341
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,888
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,796
−HK$922/mo
Today · 4.125%
HK$35,718
baseline
▲ 0.50% · 4.625%
HK$37,601
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,436/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,553
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$1,156/mo
Today · 4.125%
HK$38,846
baseline
▲ 0.50% · 4.625%
HK$41,209
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$77,692/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,665
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,756
−HK$1,106/mo
Today · 4.125%
HK$42,862
baseline
▲ 0.50% · 4.625%
HK$45,122
+HK$2,260/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$85,724/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,646
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,972
−HK$1,348/mo
Today · 4.125%
HK$45,320
baseline
▲ 0.50% · 4.625%
HK$48,077
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,640/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,443
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,715
−HK$1,291/mo
Today · 4.125%
HK$50,006
baseline
▲ 0.50% · 4.625%
HK$52,642
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,012/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,830
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,535
−HK$1,733/mo
Today · 4.125%
HK$58,268
baseline
▲ 0.50% · 4.625%
HK$61,814
+HK$3,546/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,536/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,998
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,634
−HK$1,659/mo
Today · 4.125%
HK$64,293
baseline
▲ 0.50% · 4.625%
HK$67,682
+HK$3,389/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,586/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,949 · Scale 2, in force from 26 Feb 2026)