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$30,560
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,511
−HK$965/mo
Today · 4.125%
HK$32,476
baseline
▲ 0.50% · 4.625%
HK$34,453
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,952/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,998
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,910
−HK$924/mo
Today · 4.125%
HK$35,834
baseline
▲ 0.50% · 4.625%
HK$37,723
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,668/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,672
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,813
−HK$1,159/mo
Today · 4.125%
HK$38,972
baseline
▲ 0.50% · 4.625%
HK$41,343
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,944/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,797
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,891
−HK$1,110/mo
Today · 4.125%
HK$43,001
baseline
▲ 0.50% · 4.625%
HK$45,268
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,002/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,784
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,115
−HK$1,352/mo
Today · 4.125%
HK$45,467
baseline
▲ 0.50% · 4.625%
HK$48,234
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,934/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,597
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,873
−HK$1,295/mo
Today · 4.125%
HK$50,168
baseline
▲ 0.50% · 4.625%
HK$52,813
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,336/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,008
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,719
−HK$1,739/mo
Today · 4.125%
HK$58,458
baseline
▲ 0.50% · 4.625%
HK$62,015
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,916/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,576 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,196
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,837
−HK$1,665/mo
Today · 4.125%
HK$64,502
baseline
▲ 0.50% · 4.625%
HK$67,902
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,004/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,576 · Scale 2, in force from 26 Feb 2026)