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$30,474
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,422
−HK$963/mo
Today · 4.125%
HK$32,385
baseline
▲ 0.50% · 4.625%
HK$34,356
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,770/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,902
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,812
−HK$922/mo
Today · 4.125%
HK$35,734
baseline
▲ 0.50% · 4.625%
HK$37,618
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,468/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,569
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,707
−HK$1,155/mo
Today · 4.125%
HK$38,862
baseline
▲ 0.50% · 4.625%
HK$41,227
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,724/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,683
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,774
−HK$1,107/mo
Today · 4.125%
HK$42,881
baseline
▲ 0.50% · 4.625%
HK$45,141
+HK$2,260/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,762/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,664
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,991
−HK$1,348/mo
Today · 4.125%
HK$45,339
baseline
▲ 0.50% · 4.625%
HK$48,098
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,678/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,463
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,736
−HK$1,292/mo
Today · 4.125%
HK$50,028
baseline
▲ 0.50% · 4.625%
HK$52,665
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,056/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,854
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,560
−HK$1,734/mo
Today · 4.125%
HK$58,294
baseline
▲ 0.50% · 4.625%
HK$61,841
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,588/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,024
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,661
−HK$1,660/mo
Today · 4.125%
HK$64,321
baseline
▲ 0.50% · 4.625%
HK$67,712
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,642/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,167 · Scale 2, in force from 26 Feb 2026)