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$30,446
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,393
−HK$962/mo
Today · 4.125%
HK$32,355
baseline
▲ 0.50% · 4.625%
HK$34,324
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,710/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,871
−HK$1,830/mo
▼ 0.25% · 3.875%
HK$34,779
−HK$922/mo
Today · 4.125%
HK$35,701
baseline
▲ 0.50% · 4.625%
HK$37,582
+HK$1,881/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,402/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,535
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,671
−HK$1,155/mo
Today · 4.125%
HK$38,826
baseline
▲ 0.50% · 4.625%
HK$41,188
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,652/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,645
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,735
−HK$1,106/mo
Today · 4.125%
HK$42,841
baseline
▲ 0.50% · 4.625%
HK$45,099
+HK$2,258/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,682/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,624
−HK$2,673/mo
▼ 0.25% · 3.875%
HK$43,950
−HK$1,347/mo
Today · 4.125%
HK$45,297
baseline
▲ 0.50% · 4.625%
HK$48,053
+HK$2,756/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,594/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,419
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,691
−HK$1,290/mo
Today · 4.125%
HK$49,981
baseline
▲ 0.50% · 4.625%
HK$52,615
+HK$2,634/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,962/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,802
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,507
−HK$1,732/mo
Today · 4.125%
HK$58,239
baseline
▲ 0.50% · 4.625%
HK$61,783
+HK$3,544/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,478/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,967
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,602
−HK$1,659/mo
Today · 4.125%
HK$64,261
baseline
▲ 0.50% · 4.625%
HK$67,648
+HK$3,387/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,522/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,697 · Scale 2, in force from 26 Feb 2026)