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$30,470
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,417
−HK$963/mo
Today · 4.125%
HK$32,380
baseline
▲ 0.50% · 4.625%
HK$34,351
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,760/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,897
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,806
−HK$922/mo
Today · 4.125%
HK$35,728
baseline
▲ 0.50% · 4.625%
HK$37,612
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,456/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,563
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,701
−HK$1,155/mo
Today · 4.125%
HK$38,856
baseline
▲ 0.50% · 4.625%
HK$41,221
+HK$2,365/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$77,712/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,676
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,767
−HK$1,107/mo
Today · 4.125%
HK$42,874
baseline
▲ 0.50% · 4.625%
HK$45,134
+HK$2,260/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$85,748/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,657
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,984
−HK$1,348/mo
Today · 4.125%
HK$45,332
baseline
▲ 0.50% · 4.625%
HK$48,091
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,664/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,456
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,729
−HK$1,291/mo
Today · 4.125%
HK$50,020
baseline
▲ 0.50% · 4.625%
HK$52,656
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,040/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,845
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,551
−HK$1,733/mo
Today · 4.125%
HK$58,284
baseline
▲ 0.50% · 4.625%
HK$61,831
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,568/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,015
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,651
−HK$1,660/mo
Today · 4.125%
HK$64,311
baseline
▲ 0.50% · 4.625%
HK$67,701
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,622/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,088 · Scale 2, in force from 26 Feb 2026)