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$30,482
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,430
−HK$964/mo
Today · 4.125%
HK$32,394
baseline
▲ 0.50% · 4.625%
HK$34,365
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,788/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,911
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,821
−HK$922/mo
Today · 4.125%
HK$35,743
baseline
▲ 0.50% · 4.625%
HK$37,627
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,486/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,579
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,716
−HK$1,156/mo
Today · 4.125%
HK$38,872
baseline
▲ 0.50% · 4.625%
HK$41,238
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,744/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,693
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,785
−HK$1,107/mo
Today · 4.125%
HK$42,892
baseline
▲ 0.50% · 4.625%
HK$45,153
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,784/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,675
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$44,002
−HK$1,349/mo
Today · 4.125%
HK$45,351
baseline
▲ 0.50% · 4.625%
HK$48,111
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,702/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,475
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,749
−HK$1,291/mo
Today · 4.125%
HK$50,040
baseline
▲ 0.50% · 4.625%
HK$52,678
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,080/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,868
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,575
−HK$1,734/mo
Today · 4.125%
HK$58,309
baseline
▲ 0.50% · 4.625%
HK$61,856
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,618/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,040
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,677
−HK$1,661/mo
Today · 4.125%
HK$64,338
baseline
▲ 0.50% · 4.625%
HK$67,729
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,676/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,295 · Scale 2, in force from 26 Feb 2026)