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$30,571
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,522
−HK$966/mo
Today · 4.125%
HK$32,488
baseline
▲ 0.50% · 4.625%
HK$34,465
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,976/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,010
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,922
−HK$925/mo
Today · 4.125%
HK$35,847
baseline
▲ 0.50% · 4.625%
HK$37,737
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,694/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,826
−HK$1,160/mo
Today · 4.125%
HK$38,986
baseline
▲ 0.50% · 4.625%
HK$41,358
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,972/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,812
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,907
−HK$1,110/mo
Today · 4.125%
HK$43,017
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,034/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,799
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,131
−HK$1,352/mo
Today · 4.125%
HK$45,483
baseline
▲ 0.50% · 4.625%
HK$48,251
+HK$2,768/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,966/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,614
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,891
−HK$1,295/mo
Today · 4.125%
HK$50,186
baseline
▲ 0.50% · 4.625%
HK$52,832
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,372/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,028
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,740
−HK$1,739/mo
Today · 4.125%
HK$58,479
baseline
▲ 0.50% · 4.625%
HK$62,037
+HK$3,558/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,958/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,218
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,860
−HK$1,665/mo
Today · 4.125%
HK$64,525
baseline
▲ 0.50% · 4.625%
HK$67,927
+HK$3,402/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,050/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,757 · Scale 2, in force from 26 Feb 2026)