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$30,444
−HK$1,909/mo
▼ 0.25% · 3.875%
HK$31,391
−HK$962/mo
Today · 4.125%
HK$32,353
baseline
▲ 0.50% · 4.625%
HK$34,322
+HK$1,969/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,706/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,869
−HK$1,829/mo
▼ 0.25% · 3.875%
HK$34,777
−HK$921/mo
Today · 4.125%
HK$35,698
baseline
▲ 0.50% · 4.625%
HK$37,580
+HK$1,882/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,396/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,533
−HK$2,291/mo
▼ 0.25% · 3.875%
HK$37,669
−HK$1,155/mo
Today · 4.125%
HK$38,824
baseline
▲ 0.50% · 4.625%
HK$41,186
+HK$2,362/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,648/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,642
−HK$2,196/mo
▼ 0.25% · 3.875%
HK$41,732
−HK$1,106/mo
Today · 4.125%
HK$42,838
baseline
▲ 0.50% · 4.625%
HK$45,096
+HK$2,258/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,676/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,622
−HK$2,672/mo
▼ 0.25% · 3.875%
HK$43,947
−HK$1,347/mo
Today · 4.125%
HK$45,294
baseline
▲ 0.50% · 4.625%
HK$48,050
+HK$2,756/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,588/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,416
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$48,688
−HK$1,290/mo
Today · 4.125%
HK$49,978
baseline
▲ 0.50% · 4.625%
HK$52,612
+HK$2,634/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$99,956/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,799
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$56,504
−HK$1,732/mo
Today · 4.125%
HK$58,236
baseline
▲ 0.50% · 4.625%
HK$61,779
+HK$3,543/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,472/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,963
−HK$3,294/mo
▼ 0.25% · 3.875%
HK$62,598
−HK$1,659/mo
Today · 4.125%
HK$64,257
baseline
▲ 0.50% · 4.625%
HK$67,644
+HK$3,387/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,514/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,667 · Scale 2, in force from 26 Feb 2026)