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$30,518
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,467
−HK$964/mo
Today · 4.125%
HK$32,431
baseline
▲ 0.50% · 4.625%
HK$34,405
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,862/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,950
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,861
−HK$924/mo
Today · 4.125%
HK$35,785
baseline
▲ 0.50% · 4.625%
HK$37,671
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,570/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,621
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,760
−HK$1,158/mo
Today · 4.125%
HK$38,918
baseline
▲ 0.50% · 4.625%
HK$41,286
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,836/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,741
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,833
−HK$1,109/mo
Today · 4.125%
HK$42,942
baseline
▲ 0.50% · 4.625%
HK$45,205
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,884/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,725
−HK$2,679/mo
▼ 0.25% · 3.875%
HK$44,054
−HK$1,350/mo
Today · 4.125%
HK$45,404
baseline
▲ 0.50% · 4.625%
HK$48,167
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,808/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,531
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,805
−HK$1,294/mo
Today · 4.125%
HK$50,099
baseline
▲ 0.50% · 4.625%
HK$52,739
+HK$2,640/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,198/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,932
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$56,640
−HK$1,736/mo
Today · 4.125%
HK$58,376
baseline
▲ 0.50% · 4.625%
HK$61,928
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,752/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,111
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,750
−HK$1,663/mo
Today · 4.125%
HK$64,413
baseline
▲ 0.50% · 4.625%
HK$67,808
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,826/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,878 · Scale 2, in force from 26 Feb 2026)