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$30,531
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,481
−HK$964/mo
Today · 4.125%
HK$32,445
baseline
▲ 0.50% · 4.625%
HK$34,420
+HK$1,975/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,890/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,965
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,876
−HK$924/mo
Today · 4.125%
HK$35,800
baseline
▲ 0.50% · 4.625%
HK$37,687
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,600/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,637
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,777
−HK$1,157/mo
Today · 4.125%
HK$38,934
baseline
▲ 0.50% · 4.625%
HK$41,304
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$77,868/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,758
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,851
−HK$1,109/mo
Today · 4.125%
HK$42,960
baseline
▲ 0.50% · 4.625%
HK$45,225
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$85,920/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,743
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,073
−HK$1,351/mo
Today · 4.125%
HK$45,424
baseline
▲ 0.50% · 4.625%
HK$48,187
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,848/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,551
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,827
−HK$1,293/mo
Today · 4.125%
HK$50,120
baseline
▲ 0.50% · 4.625%
HK$52,762
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,240/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,956
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,665
−HK$1,737/mo
Today · 4.125%
HK$58,402
baseline
▲ 0.50% · 4.625%
HK$61,955
+HK$3,553/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,804/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,137
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,777
−HK$1,664/mo
Today · 4.125%
HK$64,441
baseline
▲ 0.50% · 4.625%
HK$67,837
+HK$3,396/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,882/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,096 · Scale 2, in force from 26 Feb 2026)