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$30,558
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,509
−HK$965/mo
Today · 4.125%
HK$32,474
baseline
▲ 0.50% · 4.625%
HK$34,450
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,948/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,996
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,907
−HK$925/mo
Today · 4.125%
HK$35,832
baseline
▲ 0.50% · 4.625%
HK$37,721
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,664/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,670
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,810
−HK$1,159/mo
Today · 4.125%
HK$38,969
baseline
▲ 0.50% · 4.625%
HK$41,340
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,938/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,795
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,889
−HK$1,110/mo
Today · 4.125%
HK$42,999
baseline
▲ 0.50% · 4.625%
HK$45,265
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,998/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,781
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,112
−HK$1,352/mo
Today · 4.125%
HK$45,464
baseline
▲ 0.50% · 4.625%
HK$48,230
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,928/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,594
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,870
−HK$1,295/mo
Today · 4.125%
HK$50,165
baseline
▲ 0.50% · 4.625%
HK$52,809
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,330/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,005
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,715
−HK$1,739/mo
Today · 4.125%
HK$58,454
baseline
▲ 0.50% · 4.625%
HK$62,011
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,908/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,544 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,192
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,833
−HK$1,665/mo
Today · 4.125%
HK$64,498
baseline
▲ 0.50% · 4.625%
HK$67,898
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,996/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,544 · Scale 2, in force from 26 Feb 2026)