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$30,461
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,408
−HK$963/mo
Today · 4.125%
HK$32,371
baseline
▲ 0.50% · 4.625%
HK$34,341
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,742/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,887
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,796
−HK$922/mo
Today · 4.125%
HK$35,718
baseline
▲ 0.50% · 4.625%
HK$37,601
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,436/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,553
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,690
−HK$1,155/mo
Today · 4.125%
HK$38,845
baseline
▲ 0.50% · 4.625%
HK$41,209
+HK$2,364/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$77,690/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,665
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,755
−HK$1,107/mo
Today · 4.125%
HK$42,862
baseline
▲ 0.50% · 4.625%
HK$45,121
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$85,724/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,645
−HK$2,674/mo
▼ 0.25% · 3.875%
HK$43,972
−HK$1,347/mo
Today · 4.125%
HK$45,319
baseline
▲ 0.50% · 4.625%
HK$48,077
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,638/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,442
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,715
−HK$1,290/mo
Today · 4.125%
HK$50,005
baseline
▲ 0.50% · 4.625%
HK$52,641
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,010/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,829
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,535
−HK$1,733/mo
Today · 4.125%
HK$58,268
baseline
▲ 0.50% · 4.625%
HK$61,813
+HK$3,545/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,536/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,997
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,633
−HK$1,660/mo
Today · 4.125%
HK$64,293
baseline
▲ 0.50% · 4.625%
HK$67,682
+HK$3,389/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,586/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,945 · Scale 2, in force from 26 Feb 2026)