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$1,917/mo
▼ 0.25% · 3.875%
HK$31,515
−HK$966/mo
Today · 4.125%
HK$32,481
baseline
▲ 0.50% · 4.625%
HK$34,457
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,962/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,003
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,915
−HK$925/mo
Today · 4.125%
HK$35,840
baseline
▲ 0.50% · 4.625%
HK$37,729
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,680/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,677
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,818
−HK$1,159/mo
Today · 4.125%
HK$38,977
baseline
▲ 0.50% · 4.625%
HK$41,349
+HK$2,372/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$502,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,803
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,897
−HK$1,111/mo
Today · 4.125%
HK$43,008
baseline
▲ 0.50% · 4.625%
HK$45,275
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,016/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,790
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,121
−HK$1,353/mo
Today · 4.125%
HK$45,474
baseline
▲ 0.50% · 4.625%
HK$48,240
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,948/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,604
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,880
−HK$1,296/mo
Today · 4.125%
HK$50,176
baseline
▲ 0.50% · 4.625%
HK$52,820
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,352/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,016
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,727
−HK$1,739/mo
Today · 4.125%
HK$58,466
baseline
▲ 0.50% · 4.625%
HK$62,023
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,932/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,205
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,846
−HK$1,665/mo
Today · 4.125%
HK$64,511
baseline
▲ 0.50% · 4.625%
HK$67,912
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,022/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,648 · Scale 2, in force from 26 Feb 2026)