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$30,491
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,439
−HK$964/mo
Today · 4.125%
HK$32,403
baseline
▲ 0.50% · 4.625%
HK$34,375
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,806/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,921
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,830
−HK$923/mo
Today · 4.125%
HK$35,753
baseline
▲ 0.50% · 4.625%
HK$37,638
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,506/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,589
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,727
−HK$1,156/mo
Today · 4.125%
HK$38,883
baseline
▲ 0.50% · 4.625%
HK$41,249
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,766/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,705
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,797
−HK$1,107/mo
Today · 4.125%
HK$42,904
baseline
▲ 0.50% · 4.625%
HK$45,166
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,808/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,687
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,015
−HK$1,349/mo
Today · 4.125%
HK$45,364
baseline
▲ 0.50% · 4.625%
HK$48,124
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,728/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,489
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,763
−HK$1,292/mo
Today · 4.125%
HK$50,055
baseline
▲ 0.50% · 4.625%
HK$52,693
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,110/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,884
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,591
−HK$1,734/mo
Today · 4.125%
HK$58,325
baseline
▲ 0.50% · 4.625%
HK$61,874
+HK$3,549/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,650/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,057
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,695
−HK$1,661/mo
Today · 4.125%
HK$64,356
baseline
▲ 0.50% · 4.625%
HK$67,748
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,712/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,438 · Scale 2, in force from 26 Feb 2026)