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$30,547
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,497
−HK$965/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,438
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,983
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$925/mo
Today · 4.125%
HK$35,819
baseline
▲ 0.50% · 4.625%
HK$37,707
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,638/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,656
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,796
−HK$1,159/mo
Today · 4.125%
HK$38,955
baseline
▲ 0.50% · 4.625%
HK$41,325
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,910/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,780
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,873
−HK$1,110/mo
Today · 4.125%
HK$42,983
baseline
▲ 0.50% · 4.625%
HK$45,248
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,966/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,766
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,096
−HK$1,351/mo
Today · 4.125%
HK$45,447
baseline
▲ 0.50% · 4.625%
HK$48,213
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,894/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,576
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,852
−HK$1,295/mo
Today · 4.125%
HK$50,147
baseline
▲ 0.50% · 4.625%
HK$52,790
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,294/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,984
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,695
−HK$1,737/mo
Today · 4.125%
HK$58,432
baseline
▲ 0.50% · 4.625%
HK$61,988
+HK$3,556/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,864/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,358 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,169
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,810
−HK$1,664/mo
Today · 4.125%
HK$64,474
baseline
▲ 0.50% · 4.625%
HK$67,873
+HK$3,399/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,948/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,358 · Scale 2, in force from 26 Feb 2026)