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$30,536
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,486
−HK$965/mo
Today · 4.125%
HK$32,451
baseline
▲ 0.50% · 4.625%
HK$34,426
+HK$1,975/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,902/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,971
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,883
−HK$924/mo
Today · 4.125%
HK$35,807
baseline
▲ 0.50% · 4.625%
HK$37,694
+HK$1,887/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,614/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,644
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,783
−HK$1,159/mo
Today · 4.125%
HK$38,942
baseline
▲ 0.50% · 4.625%
HK$41,311
+HK$2,369/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$77,884/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,766
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,859
−HK$1,109/mo
Today · 4.125%
HK$42,968
baseline
▲ 0.50% · 4.625%
HK$45,233
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$85,936/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,751
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,081
−HK$1,351/mo
Today · 4.125%
HK$45,432
baseline
▲ 0.50% · 4.625%
HK$48,196
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,864/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,560
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,836
−HK$1,294/mo
Today · 4.125%
HK$50,130
baseline
▲ 0.50% · 4.625%
HK$52,772
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,260/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,966
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$56,675
−HK$1,737/mo
Today · 4.125%
HK$58,412
baseline
▲ 0.50% · 4.625%
HK$61,967
+HK$3,555/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,824/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,187 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,149
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,789
−HK$1,663/mo
Today · 4.125%
HK$64,452
baseline
▲ 0.50% · 4.625%
HK$67,850
+HK$3,398/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,904/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,187 · Scale 2, in force from 26 Feb 2026)