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$30,471
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,419
−HK$963/mo
Today · 4.125%
HK$32,382
baseline
▲ 0.50% · 4.625%
HK$34,352
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,764/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,899
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,808
−HK$922/mo
Today · 4.125%
HK$35,730
baseline
▲ 0.50% · 4.625%
HK$37,613
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,460/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,565
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,702
−HK$1,156/mo
Today · 4.125%
HK$38,858
baseline
▲ 0.50% · 4.625%
HK$41,222
+HK$2,364/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,716/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,678
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,107/mo
Today · 4.125%
HK$42,876
baseline
▲ 0.50% · 4.625%
HK$45,136
+HK$2,260/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,752/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,659
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,986
−HK$1,348/mo
Today · 4.125%
HK$45,334
baseline
▲ 0.50% · 4.625%
HK$48,093
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,668/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,458
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,731
−HK$1,291/mo
Today · 4.125%
HK$50,022
baseline
▲ 0.50% · 4.625%
HK$52,659
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,044/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,848
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,554
−HK$1,733/mo
Today · 4.125%
HK$58,287
baseline
▲ 0.50% · 4.625%
HK$61,834
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,574/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,110 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,017
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,654
−HK$1,660/mo
Today · 4.125%
HK$64,314
baseline
▲ 0.50% · 4.625%
HK$67,704
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,628/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,110 · Scale 2, in force from 26 Feb 2026)