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$30,470
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,418
−HK$963/mo
Today · 4.125%
HK$32,381
baseline
▲ 0.50% · 4.625%
HK$34,351
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,762/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,897
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,807
−HK$922/mo
Today · 4.125%
HK$35,729
baseline
▲ 0.50% · 4.625%
HK$37,612
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,458/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,564
−HK$2,293/mo
▼ 0.25% · 3.875%
HK$37,701
−HK$1,156/mo
Today · 4.125%
HK$38,857
baseline
▲ 0.50% · 4.625%
HK$41,221
+HK$2,364/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$77,714/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,677
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,768
−HK$1,107/mo
Today · 4.125%
HK$42,875
baseline
▲ 0.50% · 4.625%
HK$45,135
+HK$2,260/mo
Deposit HK$5.34M · loan HK$8.02M · min. income ≈ HK$85,750/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,658
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,985
−HK$1,348/mo
Today · 4.125%
HK$45,333
baseline
▲ 0.50% · 4.625%
HK$48,091
+HK$2,758/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,666/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,456
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$48,729
−HK$1,291/mo
Today · 4.125%
HK$50,020
baseline
▲ 0.50% · 4.625%
HK$52,657
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,040/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,846
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$56,552
−HK$1,733/mo
Today · 4.125%
HK$58,285
baseline
▲ 0.50% · 4.625%
HK$61,832
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,570/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,015
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,652
−HK$1,660/mo
Today · 4.125%
HK$64,312
baseline
▲ 0.50% · 4.625%
HK$67,702
+HK$3,390/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,624/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,094 · Scale 2, in force from 26 Feb 2026)