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$30,579
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,531
−HK$966/mo
Today · 4.125%
HK$32,497
baseline
▲ 0.50% · 4.625%
HK$34,474
+HK$1,977/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$64,994/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,019
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,932
−HK$925/mo
Today · 4.125%
HK$35,857
baseline
▲ 0.50% · 4.625%
HK$37,747
+HK$1,890/mo
Deposit HK$6.71M · loan HK$6.71M · min. income ≈ HK$71,714/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,695
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,837
−HK$1,159/mo
Today · 4.125%
HK$38,996
baseline
▲ 0.50% · 4.625%
HK$41,369
+HK$2,373/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$77,992/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,823
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,918
−HK$1,111/mo
Today · 4.125%
HK$43,029
baseline
▲ 0.50% · 4.625%
HK$45,297
+HK$2,268/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$86,058/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,811
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,143
−HK$1,353/mo
Today · 4.125%
HK$45,496
baseline
▲ 0.50% · 4.625%
HK$48,264
+HK$2,768/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,992/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,627
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,904
−HK$1,296/mo
Today · 4.125%
HK$50,200
baseline
▲ 0.50% · 4.625%
HK$52,846
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,400/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,043
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,755
−HK$1,740/mo
Today · 4.125%
HK$58,495
baseline
▲ 0.50% · 4.625%
HK$62,054
+HK$3,559/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,990/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,235
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,877
−HK$1,666/mo
Today · 4.125%
HK$64,543
baseline
▲ 0.50% · 4.625%
HK$67,945
+HK$3,402/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,086/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,896 · Scale 2, in force from 26 Feb 2026)