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$30,551
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,501
−HK$966/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,442
+HK$1,975/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,899
−HK$925/mo
Today · 4.125%
HK$35,824
baseline
▲ 0.50% · 4.625%
HK$37,712
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,648/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,661
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,158/mo
Today · 4.125%
HK$38,960
baseline
▲ 0.50% · 4.625%
HK$41,331
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,920/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,785
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,110/mo
Today · 4.125%
HK$42,989
baseline
▲ 0.50% · 4.625%
HK$45,255
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,978/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,771
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,102
−HK$1,352/mo
Today · 4.125%
HK$45,454
baseline
▲ 0.50% · 4.625%
HK$48,219
+HK$2,765/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,908/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,583
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,859
−HK$1,295/mo
Today · 4.125%
HK$50,154
baseline
▲ 0.50% · 4.625%
HK$52,797
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,308/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,992
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,702
−HK$1,738/mo
Today · 4.125%
HK$58,440
baseline
▲ 0.50% · 4.625%
HK$61,996
+HK$3,556/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,880/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,178
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,819
−HK$1,664/mo
Today · 4.125%
HK$64,483
baseline
▲ 0.50% · 4.625%
HK$67,882
+HK$3,399/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,966/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,428 · Scale 2, in force from 26 Feb 2026)