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$30,476
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,424
−HK$963/mo
Today · 4.125%
HK$32,387
baseline
▲ 0.50% · 4.625%
HK$34,358
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,774/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,904
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,813
−HK$923/mo
Today · 4.125%
HK$35,736
baseline
▲ 0.50% · 4.625%
HK$37,620
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,472/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,571
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,709
−HK$1,155/mo
Today · 4.125%
HK$38,864
baseline
▲ 0.50% · 4.625%
HK$41,229
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,728/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,685
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,776
−HK$1,107/mo
Today · 4.125%
HK$42,883
baseline
▲ 0.50% · 4.625%
HK$45,143
+HK$2,260/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,766/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,666
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,993
−HK$1,349/mo
Today · 4.125%
HK$45,342
baseline
▲ 0.50% · 4.625%
HK$48,101
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,684/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,466
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,739
−HK$1,291/mo
Today · 4.125%
HK$50,030
baseline
▲ 0.50% · 4.625%
HK$52,667
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,060/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,857
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,563
−HK$1,734/mo
Today · 4.125%
HK$58,297
baseline
▲ 0.50% · 4.625%
HK$61,844
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,594/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,027
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,664
−HK$1,661/mo
Today · 4.125%
HK$64,325
baseline
▲ 0.50% · 4.625%
HK$67,715
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,650/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,193 · Scale 2, in force from 26 Feb 2026)