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$30,449
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,396
−HK$963/mo
Today · 4.125%
HK$32,359
baseline
▲ 0.50% · 4.625%
HK$34,328
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,718/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,874
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,783
−HK$922/mo
Today · 4.125%
HK$35,705
baseline
▲ 0.50% · 4.625%
HK$37,587
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,410/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,539
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,676
−HK$1,154/mo
Today · 4.125%
HK$38,830
baseline
▲ 0.50% · 4.625%
HK$41,193
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,660/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,649
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,739
−HK$1,106/mo
Today · 4.125%
HK$42,845
baseline
▲ 0.50% · 4.625%
HK$45,104
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,690/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,629
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,955
−HK$1,347/mo
Today · 4.125%
HK$45,302
baseline
▲ 0.50% · 4.625%
HK$48,059
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,604/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,424
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,696
−HK$1,290/mo
Today · 4.125%
HK$49,986
baseline
▲ 0.50% · 4.625%
HK$52,621
+HK$2,635/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,972/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,809
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,513
−HK$1,733/mo
Today · 4.125%
HK$58,246
baseline
▲ 0.50% · 4.625%
HK$61,790
+HK$3,544/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,492/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,753 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,974
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,609
−HK$1,659/mo
Today · 4.125%
HK$64,268
baseline
▲ 0.50% · 4.625%
HK$67,656
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,536/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,753 · Scale 2, in force from 26 Feb 2026)