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$30,536
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,486
−HK$965/mo
Today · 4.125%
HK$32,451
baseline
▲ 0.50% · 4.625%
HK$34,425
+HK$1,974/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,902/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,971
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,882
−HK$924/mo
Today · 4.125%
HK$35,806
baseline
▲ 0.50% · 4.625%
HK$37,694
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,612/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,643
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,783
−HK$1,158/mo
Today · 4.125%
HK$38,941
baseline
▲ 0.50% · 4.625%
HK$41,310
+HK$2,369/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$77,882/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,765
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,858
−HK$1,109/mo
Today · 4.125%
HK$42,967
baseline
▲ 0.50% · 4.625%
HK$45,232
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$85,934/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,750
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,080
−HK$1,351/mo
Today · 4.125%
HK$45,431
baseline
▲ 0.50% · 4.625%
HK$48,195
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,862/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,559
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,835
−HK$1,294/mo
Today · 4.125%
HK$50,129
baseline
▲ 0.50% · 4.625%
HK$52,771
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,258/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,965
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,674
−HK$1,737/mo
Today · 4.125%
HK$58,411
baseline
▲ 0.50% · 4.625%
HK$61,965
+HK$3,554/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,822/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,147
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,787
−HK$1,664/mo
Today · 4.125%
HK$64,451
baseline
▲ 0.50% · 4.625%
HK$67,848
+HK$3,397/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,902/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,178 · Scale 2, in force from 26 Feb 2026)