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$30,485
−HK$1,912/mo
▼ 0.25% · 3.875%
HK$31,434
−HK$963/mo
Today · 4.125%
HK$32,397
baseline
▲ 0.50% · 4.625%
HK$34,368
+HK$1,971/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$64,794/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,915
−HK$1,832/mo
▼ 0.25% · 3.875%
HK$34,824
−HK$923/mo
Today · 4.125%
HK$35,747
baseline
▲ 0.50% · 4.625%
HK$37,631
+HK$1,884/mo
Deposit HK$6.68M · loan HK$6.68M · min. income ≈ HK$71,494/mo (50% DSR)
Upfront cash ≈ HK$7.19M (deposit + AVD stamp duty HK$501,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,582
−HK$2,294/mo
▼ 0.25% · 3.875%
HK$37,720
−HK$1,156/mo
Today · 4.125%
HK$38,876
baseline
▲ 0.50% · 4.625%
HK$41,242
+HK$2,366/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$77,752/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,697
−HK$2,199/mo
▼ 0.25% · 3.875%
HK$41,789
−HK$1,107/mo
Today · 4.125%
HK$42,896
baseline
▲ 0.50% · 4.625%
HK$45,157
+HK$2,261/mo
Deposit HK$5.35M · loan HK$8.02M · min. income ≈ HK$85,792/mo (50% DSR)
Upfront cash ≈ HK$5.85M (deposit + AVD stamp duty HK$501,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,679
−HK$2,677/mo
▼ 0.25% · 3.875%
HK$44,007
−HK$1,349/mo
Today · 4.125%
HK$45,356
baseline
▲ 0.50% · 4.625%
HK$48,115
+HK$2,759/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$90,712/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,480
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$48,754
−HK$1,292/mo
Today · 4.125%
HK$50,046
baseline
▲ 0.50% · 4.625%
HK$52,684
+HK$2,638/mo
Deposit HK$4.01M · loan HK$9.36M · min. income ≈ HK$100,092/mo (50% DSR)
Upfront cash ≈ HK$4.51M (deposit + AVD stamp duty HK$501,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,873
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$56,580
−HK$1,734/mo
Today · 4.125%
HK$58,314
baseline
▲ 0.50% · 4.625%
HK$61,863
+HK$3,549/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$116,628/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,046
−HK$3,298/mo
▼ 0.25% · 3.875%
HK$62,683
−HK$1,661/mo
Today · 4.125%
HK$64,344
baseline
▲ 0.50% · 4.625%
HK$67,736
+HK$3,392/mo
Deposit HK$1.34M · loan HK$12.03M · min. income ≈ HK$128,688/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$501,346 · Scale 2, in force from 26 Feb 2026)