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$30,508
−HK$1,913/mo
▼ 0.25% · 3.875%
HK$31,457
−HK$964/mo
Today · 4.125%
HK$32,421
baseline
▲ 0.50% · 4.625%
HK$34,393
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,842/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,939
−HK$1,834/mo
▼ 0.25% · 3.875%
HK$34,850
−HK$923/mo
Today · 4.125%
HK$35,773
baseline
▲ 0.50% · 4.625%
HK$37,659
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,546/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,609
−HK$2,296/mo
▼ 0.25% · 3.875%
HK$37,748
−HK$1,157/mo
Today · 4.125%
HK$38,905
baseline
▲ 0.50% · 4.625%
HK$41,272
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,810/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,727
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,820
−HK$1,108/mo
Today · 4.125%
HK$42,928
baseline
▲ 0.50% · 4.625%
HK$45,190
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,856/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,711
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,039
−HK$1,350/mo
Today · 4.125%
HK$45,389
baseline
▲ 0.50% · 4.625%
HK$48,151
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$90,778/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,515
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,789
−HK$1,293/mo
Today · 4.125%
HK$50,082
baseline
▲ 0.50% · 4.625%
HK$52,722
+HK$2,640/mo
Deposit HK$4.01M · loan HK$9.37M · min. income ≈ HK$100,164/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,914
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$56,622
−HK$1,735/mo
Today · 4.125%
HK$58,357
baseline
▲ 0.50% · 4.625%
HK$61,908
+HK$3,551/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,714/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,091
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,729
−HK$1,662/mo
Today · 4.125%
HK$64,391
baseline
▲ 0.50% · 4.625%
HK$67,786
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,782/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,713 · Scale 2, in force from 26 Feb 2026)