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$30,564
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,515
−HK$965/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,457
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,002
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,914
−HK$925/mo
Today · 4.125%
HK$35,839
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,678/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,677
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,817
−HK$1,160/mo
Today · 4.125%
HK$38,977
baseline
▲ 0.50% · 4.625%
HK$41,348
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,954/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,802
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,110/mo
Today · 4.125%
HK$43,007
baseline
▲ 0.50% · 4.625%
HK$45,274
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,014/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,789
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,353/mo
Today · 4.125%
HK$45,473
baseline
▲ 0.50% · 4.625%
HK$48,240
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,946/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,603
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,879
−HK$1,296/mo
Today · 4.125%
HK$50,175
baseline
▲ 0.50% · 4.625%
HK$52,819
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,350/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,015
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,726
−HK$1,739/mo
Today · 4.125%
HK$58,465
baseline
▲ 0.50% · 4.625%
HK$62,022
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,930/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,204
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,845
−HK$1,665/mo
Today · 4.125%
HK$64,510
baseline
▲ 0.50% · 4.625%
HK$67,911
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,020/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,638 · Scale 2, in force from 26 Feb 2026)