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$30,552
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,502
−HK$966/mo
Today · 4.125%
HK$32,468
baseline
▲ 0.50% · 4.625%
HK$34,444
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,936/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,989
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,901
−HK$924/mo
Today · 4.125%
HK$35,825
baseline
▲ 0.50% · 4.625%
HK$37,714
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,650/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,663
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,803
−HK$1,159/mo
Today · 4.125%
HK$38,962
baseline
▲ 0.50% · 4.625%
HK$41,332
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,924/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,787
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,881
−HK$1,109/mo
Today · 4.125%
HK$42,990
baseline
▲ 0.50% · 4.625%
HK$45,256
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,980/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,773
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,103
−HK$1,352/mo
Today · 4.125%
HK$45,455
baseline
▲ 0.50% · 4.625%
HK$48,221
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,910/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,585
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,861
−HK$1,294/mo
Today · 4.125%
HK$50,155
baseline
▲ 0.50% · 4.625%
HK$52,799
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,310/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,994
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,704
−HK$1,738/mo
Today · 4.125%
HK$58,442
baseline
▲ 0.50% · 4.625%
HK$61,999
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,884/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,180
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,821
−HK$1,664/mo
Today · 4.125%
HK$64,485
baseline
▲ 0.50% · 4.625%
HK$67,885
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,970/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,446 · Scale 2, in force from 26 Feb 2026)