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$30,537
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,487
−HK$965/mo
Today · 4.125%
HK$32,452
baseline
▲ 0.50% · 4.625%
HK$34,427
+HK$1,975/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,904/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,972
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,883
−HK$925/mo
Today · 4.125%
HK$35,808
baseline
▲ 0.50% · 4.625%
HK$37,695
+HK$1,887/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,616/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,644
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,784
−HK$1,158/mo
Today · 4.125%
HK$38,942
baseline
▲ 0.50% · 4.625%
HK$41,312
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,884/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,767
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,860
−HK$1,109/mo
Today · 4.125%
HK$42,969
baseline
▲ 0.50% · 4.625%
HK$45,234
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,938/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,752
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,082
−HK$1,351/mo
Today · 4.125%
HK$45,433
baseline
▲ 0.50% · 4.625%
HK$48,197
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,866/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,561
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,837
−HK$1,294/mo
Today · 4.125%
HK$50,131
baseline
▲ 0.50% · 4.625%
HK$52,773
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,262/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,967
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,676
−HK$1,738/mo
Today · 4.125%
HK$58,414
baseline
▲ 0.50% · 4.625%
HK$61,968
+HK$3,554/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,828/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,150
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,790
−HK$1,664/mo
Today · 4.125%
HK$64,454
baseline
▲ 0.50% · 4.625%
HK$67,851
+HK$3,397/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,908/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,197 · Scale 2, in force from 26 Feb 2026)