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$1,916/mo
▼ 0.25% · 3.875%
HK$31,511
−HK$966/mo
Today · 4.125%
HK$32,477
baseline
▲ 0.50% · 4.625%
HK$34,453
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,954/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,999
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,910
−HK$925/mo
Today · 4.125%
HK$35,835
baseline
▲ 0.50% · 4.625%
HK$37,724
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,670/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,590 · 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$41,344
+HK$2,371/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$502,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,798
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,893
−HK$1,110/mo
Today · 4.125%
HK$43,003
baseline
▲ 0.50% · 4.625%
HK$45,269
+HK$2,266/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$502,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,785
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,116
−HK$1,352/mo
Today · 4.125%
HK$45,468
baseline
▲ 0.50% · 4.625%
HK$48,235
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,936/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,598
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,875
−HK$1,295/mo
Today · 4.125%
HK$50,170
baseline
▲ 0.50% · 4.625%
HK$52,814
+HK$2,644/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$502,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,010
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,721
−HK$1,738/mo
Today · 4.125%
HK$58,459
baseline
▲ 0.50% · 4.625%
HK$62,016
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,918/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,590 · 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$67,904
+HK$3,400/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$502,590 · Scale 2, in force from 26 Feb 2026)