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$30,511
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,460
−HK$964/mo
Today · 4.125%
HK$32,424
baseline
▲ 0.50% · 4.625%
HK$34,397
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,848/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,943
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,853
−HK$924/mo
Today · 4.125%
HK$35,777
baseline
▲ 0.50% · 4.625%
HK$37,663
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,554/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,613
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,752
−HK$1,157/mo
Today · 4.125%
HK$38,909
baseline
▲ 0.50% · 4.625%
HK$41,276
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,818/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,731
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,824
−HK$1,108/mo
Today · 4.125%
HK$42,932
baseline
▲ 0.50% · 4.625%
HK$45,195
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,864/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,715
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,044
−HK$1,350/mo
Today · 4.125%
HK$45,394
baseline
▲ 0.50% · 4.625%
HK$48,156
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,788/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,520
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,794
−HK$1,293/mo
Today · 4.125%
HK$50,087
baseline
▲ 0.50% · 4.625%
HK$52,728
+HK$2,641/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,174/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,919
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,628
−HK$1,735/mo
Today · 4.125%
HK$58,363
baseline
▲ 0.50% · 4.625%
HK$61,915
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,726/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,097
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,736
−HK$1,662/mo
Today · 4.125%
HK$64,398
baseline
▲ 0.50% · 4.625%
HK$67,793
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,796/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,765 · Scale 2, in force from 26 Feb 2026)