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$30,456
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,403
−HK$963/mo
Today · 4.125%
HK$32,366
baseline
▲ 0.50% · 4.625%
HK$34,335
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,732/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,882
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,791
−HK$922/mo
Today · 4.125%
HK$35,713
baseline
▲ 0.50% · 4.625%
HK$37,595
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,426/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,547
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,684
−HK$1,155/mo
Today · 4.125%
HK$38,839
baseline
▲ 0.50% · 4.625%
HK$41,202
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,678/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,658
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,749
−HK$1,106/mo
Today · 4.125%
HK$42,855
baseline
▲ 0.50% · 4.625%
HK$45,114
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,710/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,638
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,965
−HK$1,347/mo
Today · 4.125%
HK$45,312
baseline
▲ 0.50% · 4.625%
HK$48,069
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,624/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,435
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,707
−HK$1,291/mo
Today · 4.125%
HK$49,998
baseline
▲ 0.50% · 4.625%
HK$52,633
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,996/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,821
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,526
−HK$1,733/mo
Today · 4.125%
HK$58,259
baseline
▲ 0.50% · 4.625%
HK$61,804
+HK$3,545/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,518/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,988
−HK$3,295/mo
▼ 0.25% · 3.875%
HK$62,623
−HK$1,660/mo
Today · 4.125%
HK$64,283
baseline
▲ 0.50% · 4.625%
HK$67,671
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,566/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,866 · Scale 2, in force from 26 Feb 2026)