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$30,532
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,481
−HK$965/mo
Today · 4.125%
HK$32,446
baseline
▲ 0.50% · 4.625%
HK$34,420
+HK$1,974/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,892/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,966
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,877
−HK$924/mo
Today · 4.125%
HK$35,801
baseline
▲ 0.50% · 4.625%
HK$37,688
+HK$1,887/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,602/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,638
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,778
−HK$1,157/mo
Today · 4.125%
HK$38,935
baseline
▲ 0.50% · 4.625%
HK$41,305
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$77,870/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,759
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,852
−HK$1,109/mo
Today · 4.125%
HK$42,961
baseline
▲ 0.50% · 4.625%
HK$45,226
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$85,922/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,744
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,074
−HK$1,351/mo
Today · 4.125%
HK$45,425
baseline
▲ 0.50% · 4.625%
HK$48,189
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,850/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,552
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,828
−HK$1,294/mo
Today · 4.125%
HK$50,122
baseline
▲ 0.50% · 4.625%
HK$52,764
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,244/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,957
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,666
−HK$1,737/mo
Today · 4.125%
HK$58,403
baseline
▲ 0.50% · 4.625%
HK$61,957
+HK$3,554/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,806/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,108 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,139
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,779
−HK$1,663/mo
Today · 4.125%
HK$64,442
baseline
▲ 0.50% · 4.625%
HK$67,839
+HK$3,397/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,884/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,108 · Scale 2, in force from 26 Feb 2026)