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$30,490
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,438
−HK$964/mo
Today · 4.125%
HK$32,402
baseline
▲ 0.50% · 4.625%
HK$34,374
+HK$1,972/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$64,804/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,920
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,830
−HK$922/mo
Today · 4.125%
HK$35,752
baseline
▲ 0.50% · 4.625%
HK$37,637
+HK$1,885/mo
Deposit HK$6.69M · loan HK$6.69M · min. income ≈ HK$71,504/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,588
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,726
−HK$1,156/mo
Today · 4.125%
HK$38,882
baseline
▲ 0.50% · 4.625%
HK$41,248
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,764/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,704
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,795
−HK$1,108/mo
Today · 4.125%
HK$42,903
baseline
▲ 0.50% · 4.625%
HK$45,164
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,806/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,686
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,014
−HK$1,349/mo
Today · 4.125%
HK$45,363
baseline
▲ 0.50% · 4.625%
HK$48,123
+HK$2,760/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,726/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,488
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$48,761
−HK$1,292/mo
Today · 4.125%
HK$50,053
baseline
▲ 0.50% · 4.625%
HK$52,692
+HK$2,639/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,106/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,882
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$56,589
−HK$1,735/mo
Today · 4.125%
HK$58,324
baseline
▲ 0.50% · 4.625%
HK$61,872
+HK$3,548/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,648/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,056
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,693
−HK$1,661/mo
Today · 4.125%
HK$64,354
baseline
▲ 0.50% · 4.625%
HK$67,746
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,708/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,424 · Scale 2, in force from 26 Feb 2026)