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$30,575
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,526
−HK$966/mo
Today · 4.125%
HK$32,492
baseline
▲ 0.50% · 4.625%
HK$34,469
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,984/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,014
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,926
−HK$926/mo
Today · 4.125%
HK$35,852
baseline
▲ 0.50% · 4.625%
HK$37,741
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,704/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,689
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,831
−HK$1,159/mo
Today · 4.125%
HK$38,990
baseline
▲ 0.50% · 4.625%
HK$41,363
+HK$2,373/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$77,980/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,817
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,911
−HK$1,111/mo
Today · 4.125%
HK$43,022
baseline
▲ 0.50% · 4.625%
HK$45,290
+HK$2,268/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$86,044/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,804
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,136
−HK$1,353/mo
Today · 4.125%
HK$45,489
baseline
▲ 0.50% · 4.625%
HK$48,256
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,978/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,619
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,897
−HK$1,295/mo
Today · 4.125%
HK$50,192
baseline
▲ 0.50% · 4.625%
HK$52,838
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,384/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,034
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,746
−HK$1,739/mo
Today · 4.125%
HK$58,485
baseline
▲ 0.50% · 4.625%
HK$62,044
+HK$3,559/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,970/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,225
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,867
−HK$1,666/mo
Today · 4.125%
HK$64,533
baseline
▲ 0.50% · 4.625%
HK$67,934
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,066/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,815 · Scale 2, in force from 26 Feb 2026)