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$30,561
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,512
−HK$966/mo
Today · 4.125%
HK$32,478
baseline
▲ 0.50% · 4.625%
HK$34,454
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,956/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,999
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,911
−HK$925/mo
Today · 4.125%
HK$35,836
baseline
▲ 0.50% · 4.625%
HK$37,725
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,672/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,673
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,814
−HK$1,159/mo
Today · 4.125%
HK$38,973
baseline
▲ 0.50% · 4.625%
HK$41,345
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,946/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,799
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,893
−HK$1,110/mo
Today · 4.125%
HK$43,003
baseline
▲ 0.50% · 4.625%
HK$45,270
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,006/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,786
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,116
−HK$1,353/mo
Today · 4.125%
HK$45,469
baseline
▲ 0.50% · 4.625%
HK$48,235
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,938/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,599
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,875
−HK$1,295/mo
Today · 4.125%
HK$50,170
baseline
▲ 0.50% · 4.625%
HK$52,815
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,340/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,010
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,721
−HK$1,739/mo
Today · 4.125%
HK$58,460
baseline
▲ 0.50% · 4.625%
HK$62,017
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,920/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,594 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,198
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,839
−HK$1,665/mo
Today · 4.125%
HK$64,504
baseline
▲ 0.50% · 4.625%
HK$67,905
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,008/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,594 · Scale 2, in force from 26 Feb 2026)