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$30,535
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,485
−HK$965/mo
Today · 4.125%
HK$32,450
baseline
▲ 0.50% · 4.625%
HK$34,424
+HK$1,974/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,900/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,970
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,881
−HK$924/mo
Today · 4.125%
HK$35,805
baseline
▲ 0.50% · 4.625%
HK$37,692
+HK$1,887/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,610/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,642
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,782
−HK$1,158/mo
Today · 4.125%
HK$38,940
baseline
▲ 0.50% · 4.625%
HK$41,309
+HK$2,369/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$77,880/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,764
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,857
−HK$1,109/mo
Today · 4.125%
HK$42,966
baseline
▲ 0.50% · 4.625%
HK$45,231
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$85,932/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,749
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,079
−HK$1,351/mo
Today · 4.125%
HK$45,430
baseline
▲ 0.50% · 4.625%
HK$48,194
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,860/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,558
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$48,833
−HK$1,294/mo
Today · 4.125%
HK$50,127
baseline
▲ 0.50% · 4.625%
HK$52,769
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,254/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,963
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,672
−HK$1,737/mo
Today · 4.125%
HK$58,409
baseline
▲ 0.50% · 4.625%
HK$61,963
+HK$3,554/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,818/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,145
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,785
−HK$1,664/mo
Today · 4.125%
HK$64,449
baseline
▲ 0.50% · 4.625%
HK$67,846
+HK$3,397/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,898/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,162 · Scale 2, in force from 26 Feb 2026)