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$30,569
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,520
−HK$966/mo
Today · 4.125%
HK$32,486
baseline
▲ 0.50% · 4.625%
HK$34,463
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,972/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,008
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,920
−HK$926/mo
Today · 4.125%
HK$35,846
baseline
▲ 0.50% · 4.625%
HK$37,735
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,692/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,683
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,824
−HK$1,160/mo
Today · 4.125%
HK$38,984
baseline
▲ 0.50% · 4.625%
HK$41,356
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,968/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,810
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,904
−HK$1,111/mo
Today · 4.125%
HK$43,015
baseline
▲ 0.50% · 4.625%
HK$45,282
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,030/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,797
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,128
−HK$1,353/mo
Today · 4.125%
HK$45,481
baseline
▲ 0.50% · 4.625%
HK$48,248
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,962/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,611
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,888
−HK$1,296/mo
Today · 4.125%
HK$50,184
baseline
▲ 0.50% · 4.625%
HK$52,829
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,368/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,025
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,737
−HK$1,738/mo
Today · 4.125%
HK$58,475
baseline
▲ 0.50% · 4.625%
HK$62,034
+HK$3,559/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,950/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,730 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,215
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,856
−HK$1,666/mo
Today · 4.125%
HK$64,522
baseline
▲ 0.50% · 4.625%
HK$67,923
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,044/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,730 · Scale 2, in force from 26 Feb 2026)