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$30,504
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,453
−HK$964/mo
Today · 4.125%
HK$32,417
baseline
▲ 0.50% · 4.625%
HK$34,389
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,834/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,935
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,845
−HK$924/mo
Today · 4.125%
HK$35,769
baseline
▲ 0.50% · 4.625%
HK$37,654
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,538/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,605
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,743
−HK$1,157/mo
Today · 4.125%
HK$38,900
baseline
▲ 0.50% · 4.625%
HK$41,267
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,800/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,722
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,814
−HK$1,108/mo
Today · 4.125%
HK$42,922
baseline
▲ 0.50% · 4.625%
HK$45,185
+HK$2,263/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,844/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,705
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,034
−HK$1,349/mo
Today · 4.125%
HK$45,383
baseline
▲ 0.50% · 4.625%
HK$48,145
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,766/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,509
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,784
−HK$1,292/mo
Today · 4.125%
HK$50,076
baseline
▲ 0.50% · 4.625%
HK$52,716
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,152/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,907
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,615
−HK$1,735/mo
Today · 4.125%
HK$58,350
baseline
▲ 0.50% · 4.625%
HK$61,901
+HK$3,551/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,700/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,083
−HK$3,301/mo
▼ 0.25% · 3.875%
HK$62,722
−HK$1,662/mo
Today · 4.125%
HK$64,384
baseline
▲ 0.50% · 4.625%
HK$67,777
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,768/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,653 · Scale 2, in force from 26 Feb 2026)