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$30,550
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,500
−HK$965/mo
Today · 4.125%
HK$32,465
baseline
▲ 0.50% · 4.625%
HK$34,441
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,930/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,986
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,898
−HK$924/mo
Today · 4.125%
HK$35,822
baseline
▲ 0.50% · 4.625%
HK$37,710
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,644/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,659
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,800
−HK$1,158/mo
Today · 4.125%
HK$38,958
baseline
▲ 0.50% · 4.625%
HK$41,329
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,916/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,783
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,877
−HK$1,110/mo
Today · 4.125%
HK$42,987
baseline
▲ 0.50% · 4.625%
HK$45,253
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,974/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,769
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,100
−HK$1,351/mo
Today · 4.125%
HK$45,451
baseline
▲ 0.50% · 4.625%
HK$48,217
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,902/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,581
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,857
−HK$1,294/mo
Today · 4.125%
HK$50,151
baseline
▲ 0.50% · 4.625%
HK$52,795
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,302/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,989
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,700
−HK$1,738/mo
Today · 4.125%
HK$58,438
baseline
▲ 0.50% · 4.625%
HK$61,993
+HK$3,555/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,876/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,175
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,816
−HK$1,664/mo
Today · 4.125%
HK$64,480
baseline
▲ 0.50% · 4.625%
HK$67,879
+HK$3,399/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,960/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,404 · Scale 2, in force from 26 Feb 2026)