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$30,556
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,507
−HK$965/mo
Today · 4.125%
HK$32,472
baseline
▲ 0.50% · 4.625%
HK$34,448
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,944/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,994
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,905
−HK$925/mo
Today · 4.125%
HK$35,830
baseline
▲ 0.50% · 4.625%
HK$37,719
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,660/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,668
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,808
−HK$1,159/mo
Today · 4.125%
HK$38,967
baseline
▲ 0.50% · 4.625%
HK$41,338
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,934/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,792
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,886
−HK$1,110/mo
Today · 4.125%
HK$42,996
baseline
▲ 0.50% · 4.625%
HK$45,263
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,992/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,779
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,110
−HK$1,351/mo
Today · 4.125%
HK$45,461
baseline
▲ 0.50% · 4.625%
HK$48,228
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,922/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,591
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,867
−HK$1,295/mo
Today · 4.125%
HK$50,162
baseline
▲ 0.50% · 4.625%
HK$52,806
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,324/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,001
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,712
−HK$1,738/mo
Today · 4.125%
HK$58,450
baseline
▲ 0.50% · 4.625%
HK$62,007
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,900/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,188
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,830
−HK$1,664/mo
Today · 4.125%
HK$64,494
baseline
▲ 0.50% · 4.625%
HK$67,894
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,988/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,515 · Scale 2, in force from 26 Feb 2026)