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$30,555
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,505
−HK$966/mo
Today · 4.125%
HK$32,471
baseline
▲ 0.50% · 4.625%
HK$34,447
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,942/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,992
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,904
−HK$925/mo
Today · 4.125%
HK$35,829
baseline
▲ 0.50% · 4.625%
HK$37,717
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,658/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,666
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,807
−HK$1,158/mo
Today · 4.125%
HK$38,965
baseline
▲ 0.50% · 4.625%
HK$41,336
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,930/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,791
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,885
−HK$1,109/mo
Today · 4.125%
HK$42,994
baseline
▲ 0.50% · 4.625%
HK$45,261
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,988/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,777
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,108
−HK$1,351/mo
Today · 4.125%
HK$45,459
baseline
▲ 0.50% · 4.625%
HK$48,226
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,918/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,589
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,865
−HK$1,295/mo
Today · 4.125%
HK$50,160
baseline
▲ 0.50% · 4.625%
HK$52,804
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,320/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,999
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,710
−HK$1,738/mo
Today · 4.125%
HK$58,448
baseline
▲ 0.50% · 4.625%
HK$62,004
+HK$3,556/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,896/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,186
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,827
−HK$1,664/mo
Today · 4.125%
HK$64,491
baseline
▲ 0.50% · 4.625%
HK$67,891
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,982/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,493 · Scale 2, in force from 26 Feb 2026)