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$30,459
−HK$1,910/mo
▼ 0.25% · 3.875%
HK$31,406
−HK$963/mo
Today · 4.125%
HK$32,369
baseline
▲ 0.50% · 4.625%
HK$34,339
+HK$1,970/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,738/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,885
−HK$1,831/mo
▼ 0.25% · 3.875%
HK$34,794
−HK$922/mo
Today · 4.125%
HK$35,716
baseline
▲ 0.50% · 4.625%
HK$37,599
+HK$1,883/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,432/mo (50% DSR)
Upfront cash ≈ HK$7.18M (deposit + AVD stamp duty HK$500,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,551
−HK$2,292/mo
▼ 0.25% · 3.875%
HK$37,688
−HK$1,155/mo
Today · 4.125%
HK$38,843
baseline
▲ 0.50% · 4.625%
HK$41,206
+HK$2,363/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$77,686/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,662
−HK$2,197/mo
▼ 0.25% · 3.875%
HK$41,753
−HK$1,106/mo
Today · 4.125%
HK$42,859
baseline
▲ 0.50% · 4.625%
HK$45,118
+HK$2,259/mo
Deposit HK$5.34M · loan HK$8.01M · min. income ≈ HK$85,718/mo (50% DSR)
Upfront cash ≈ HK$5.84M (deposit + AVD stamp duty HK$500,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,642
−HK$2,675/mo
▼ 0.25% · 3.875%
HK$43,969
−HK$1,348/mo
Today · 4.125%
HK$45,317
baseline
▲ 0.50% · 4.625%
HK$48,074
+HK$2,757/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$90,634/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,439
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$48,712
−HK$1,290/mo
Today · 4.125%
HK$50,002
baseline
▲ 0.50% · 4.625%
HK$52,638
+HK$2,636/mo
Deposit HK$4.01M · loan HK$9.35M · min. income ≈ HK$100,004/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$500,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,826
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$56,531
−HK$1,733/mo
Today · 4.125%
HK$58,264
baseline
▲ 0.50% · 4.625%
HK$61,809
+HK$3,545/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$116,528/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$60,993
−HK$3,296/mo
▼ 0.25% · 3.875%
HK$62,629
−HK$1,660/mo
Today · 4.125%
HK$64,289
baseline
▲ 0.50% · 4.625%
HK$67,677
+HK$3,388/mo
Deposit HK$1.34M · loan HK$12.02M · min. income ≈ HK$128,578/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$500,913 · Scale 2, in force from 26 Feb 2026)