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$30,521
−HK$1,914/mo
▼ 0.25% · 3.875%
HK$31,470
−HK$965/mo
Today · 4.125%
HK$32,435
baseline
▲ 0.50% · 4.625%
HK$34,408
+HK$1,973/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,870/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,954
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,865
−HK$924/mo
Today · 4.125%
HK$35,789
baseline
▲ 0.50% · 4.625%
HK$37,675
+HK$1,886/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,578/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,625
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,764
−HK$1,158/mo
Today · 4.125%
HK$38,922
baseline
▲ 0.50% · 4.625%
HK$41,290
+HK$2,368/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$77,844/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,745
−HK$2,201/mo
▼ 0.25% · 3.875%
HK$41,838
−HK$1,108/mo
Today · 4.125%
HK$42,946
baseline
▲ 0.50% · 4.625%
HK$45,210
+HK$2,264/mo
Deposit HK$5.35M · loan HK$8.03M · min. income ≈ HK$85,892/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$501,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,729
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,058
−HK$1,351/mo
Today · 4.125%
HK$45,409
baseline
▲ 0.50% · 4.625%
HK$48,172
+HK$2,763/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,818/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,536
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$48,811
−HK$1,293/mo
Today · 4.125%
HK$50,104
baseline
▲ 0.50% · 4.625%
HK$52,745
+HK$2,641/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,208/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$501,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,938
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$56,647
−HK$1,736/mo
Today · 4.125%
HK$58,383
baseline
▲ 0.50% · 4.625%
HK$61,935
+HK$3,552/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,766/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,118
−HK$3,302/mo
▼ 0.25% · 3.875%
HK$62,757
−HK$1,663/mo
Today · 4.125%
HK$64,420
baseline
▲ 0.50% · 4.625%
HK$67,815
+HK$3,395/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,840/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,933 · Scale 2, in force from 26 Feb 2026)