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$30,553
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,503
−HK$966/mo
Today · 4.125%
HK$32,469
baseline
▲ 0.50% · 4.625%
HK$34,445
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,938/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,990
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$925/mo
Today · 4.125%
HK$35,826
baseline
▲ 0.50% · 4.625%
HK$37,715
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,652/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,664
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,804
−HK$1,159/mo
Today · 4.125%
HK$38,963
baseline
▲ 0.50% · 4.625%
HK$41,333
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,926/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,788
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,882
−HK$1,110/mo
Today · 4.125%
HK$42,992
baseline
▲ 0.50% · 4.625%
HK$45,258
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,984/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,774
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,351/mo
Today · 4.125%
HK$45,456
baseline
▲ 0.50% · 4.625%
HK$48,222
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,912/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,586
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,862
−HK$1,295/mo
Today · 4.125%
HK$50,157
baseline
▲ 0.50% · 4.625%
HK$52,801
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,314/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,995
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,706
−HK$1,738/mo
Today · 4.125%
HK$58,444
baseline
▲ 0.50% · 4.625%
HK$62,000
+HK$3,556/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,888/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,460 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,182
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,823
−HK$1,664/mo
Today · 4.125%
HK$64,487
baseline
▲ 0.50% · 4.625%
HK$67,886
+HK$3,399/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,974/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,460 · Scale 2, in force from 26 Feb 2026)