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$30,500
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,449
−HK$963/mo
Today · 4.125%
HK$32,412
baseline
▲ 0.50% · 4.625%
HK$34,385
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,824/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,931
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,841
−HK$923/mo
Today · 4.125%
HK$35,764
baseline
▲ 0.50% · 4.625%
HK$37,649
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,528/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,600
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,738
−HK$1,157/mo
Today · 4.125%
HK$38,895
baseline
▲ 0.50% · 4.625%
HK$41,262
+HK$2,367/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,790/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,717
−HK$2,200/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,108/mo
Today · 4.125%
HK$42,917
baseline
▲ 0.50% · 4.625%
HK$45,179
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,834/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,700
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,028
−HK$1,349/mo
Today · 4.125%
HK$45,377
baseline
▲ 0.50% · 4.625%
HK$48,139
+HK$2,762/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,754/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,503
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$48,777
−HK$1,293/mo
Today · 4.125%
HK$50,070
baseline
▲ 0.50% · 4.625%
HK$52,709
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,140/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,900
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,607
−HK$1,735/mo
Today · 4.125%
HK$58,342
baseline
▲ 0.50% · 4.625%
HK$61,892
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,684/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,075
−HK$3,300/mo
▼ 0.25% · 3.875%
HK$62,713
−HK$1,662/mo
Today · 4.125%
HK$64,375
baseline
▲ 0.50% · 4.625%
HK$67,768
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,750/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,587 · Scale 2, in force from 26 Feb 2026)