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$30,479
−HK$1,911/mo
▼ 0.25% · 3.875%
HK$31,427
−HK$963/mo
Today · 4.125%
HK$32,390
baseline
▲ 0.50% · 4.625%
HK$34,361
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,780/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,907
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,817
−HK$922/mo
Today · 4.125%
HK$35,739
baseline
▲ 0.50% · 4.625%
HK$37,623
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,478/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$501,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,574
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,712
−HK$1,156/mo
Today · 4.125%
HK$38,868
baseline
▲ 0.50% · 4.625%
HK$41,233
+HK$2,365/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,736/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,689
−HK$2,198/mo
▼ 0.25% · 3.875%
HK$41,780
−HK$1,107/mo
Today · 4.125%
HK$42,887
baseline
▲ 0.50% · 4.625%
HK$45,148
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,774/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,670
−HK$2,676/mo
▼ 0.25% · 3.875%
HK$43,997
−HK$1,349/mo
Today · 4.125%
HK$45,346
baseline
▲ 0.50% · 4.625%
HK$48,105
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,692/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,470
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,743
−HK$1,292/mo
Today · 4.125%
HK$50,035
baseline
▲ 0.50% · 4.625%
HK$52,672
+HK$2,637/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,070/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,862
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$56,568
−HK$1,734/mo
Today · 4.125%
HK$58,302
baseline
▲ 0.50% · 4.625%
HK$61,849
+HK$3,547/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,604/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,033
−HK$3,297/mo
▼ 0.25% · 3.875%
HK$62,670
−HK$1,660/mo
Today · 4.125%
HK$64,330
baseline
▲ 0.50% · 4.625%
HK$67,721
+HK$3,391/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,660/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,237 · Scale 2, in force from 26 Feb 2026)