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$30,572
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,523
−HK$966/mo
Today · 4.125%
HK$32,489
baseline
▲ 0.50% · 4.625%
HK$34,466
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,978/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,011
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,924
−HK$925/mo
Today · 4.125%
HK$35,849
baseline
▲ 0.50% · 4.625%
HK$37,739
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,698/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,687
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,828
−HK$1,159/mo
Today · 4.125%
HK$38,987
baseline
▲ 0.50% · 4.625%
HK$41,360
+HK$2,373/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,974/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,814
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,908
−HK$1,111/mo
Today · 4.125%
HK$43,019
baseline
▲ 0.50% · 4.625%
HK$45,286
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,038/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,801
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,133
−HK$1,352/mo
Today · 4.125%
HK$45,485
baseline
▲ 0.50% · 4.625%
HK$48,253
+HK$2,768/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,970/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,616
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,893
−HK$1,295/mo
Today · 4.125%
HK$50,188
baseline
▲ 0.50% · 4.625%
HK$52,834
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,376/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,030
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,742
−HK$1,739/mo
Today · 4.125%
HK$58,481
baseline
▲ 0.50% · 4.625%
HK$62,039
+HK$3,558/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,962/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,220
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,862
−HK$1,666/mo
Today · 4.125%
HK$64,528
baseline
▲ 0.50% · 4.625%
HK$67,929
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,056/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,778 · Scale 2, in force from 26 Feb 2026)