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$30,495
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,443
−HK$964/mo
Today · 4.125%
HK$32,407
baseline
▲ 0.50% · 4.625%
HK$34,379
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,814/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,925
−HK$1,833/mo
▼ 0.25% · 3.875%
HK$34,835
−HK$923/mo
Today · 4.125%
HK$35,758
baseline
▲ 0.50% · 4.625%
HK$37,643
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,516/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,593
−HK$2,295/mo
▼ 0.25% · 3.875%
HK$37,732
−HK$1,156/mo
Today · 4.125%
HK$38,888
baseline
▲ 0.50% · 4.625%
HK$41,254
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,776/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,710
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,802
−HK$1,107/mo
Today · 4.125%
HK$42,909
baseline
▲ 0.50% · 4.625%
HK$45,171
+HK$2,262/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,818/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,692
−HK$2,678/mo
▼ 0.25% · 3.875%
HK$44,020
−HK$1,350/mo
Today · 4.125%
HK$45,370
baseline
▲ 0.50% · 4.625%
HK$48,130
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,740/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,495
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,769
−HK$1,292/mo
Today · 4.125%
HK$50,061
baseline
▲ 0.50% · 4.625%
HK$52,700
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,122/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,890
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,598
−HK$1,734/mo
Today · 4.125%
HK$58,332
baseline
▲ 0.50% · 4.625%
HK$61,882
+HK$3,550/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$116,664/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,065
−HK$3,299/mo
▼ 0.25% · 3.875%
HK$62,703
−HK$1,661/mo
Today · 4.125%
HK$64,364
baseline
▲ 0.50% · 4.625%
HK$67,757
+HK$3,393/mo
Deposit HK$1.34M · loan HK$12.04M · min. income ≈ HK$128,728/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,499 · Scale 2, in force from 26 Feb 2026)