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$30,487
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,436
−HK$963/mo
Today · 4.125%
HK$32,399
baseline
▲ 0.50% · 4.625%
HK$34,370
+HK$1,971/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,798/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,917
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,826
−HK$923/mo
Today · 4.125%
HK$35,749
baseline
▲ 0.50% · 4.625%
HK$37,634
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,498/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,585
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,723
−HK$1,156/mo
Today · 4.125%
HK$38,879
baseline
▲ 0.50% · 4.625%
HK$41,245
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,758/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,700
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,792
−HK$1,107/mo
Today · 4.125%
HK$42,899
baseline
▲ 0.50% · 4.625%
HK$45,160
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,798/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,682
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,010
−HK$1,349/mo
Today · 4.125%
HK$45,359
baseline
▲ 0.50% · 4.625%
HK$48,119
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,718/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,483
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,757
−HK$1,292/mo
Today · 4.125%
HK$50,049
baseline
▲ 0.50% · 4.625%
HK$52,687
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,098/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,877
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,584
−HK$1,734/mo
Today · 4.125%
HK$58,318
baseline
▲ 0.50% · 4.625%
HK$61,867
+HK$3,549/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,636/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,050
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,688
−HK$1,661/mo
Today · 4.125%
HK$64,349
baseline
▲ 0.50% · 4.625%
HK$67,740
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,698/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,379 · Scale 2, in force from 26 Feb 2026)