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$30,563
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,514
−HK$966/mo
Today · 4.125%
HK$32,480
baseline
▲ 0.50% · 4.625%
HK$34,456
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,960/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,001
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,913
−HK$925/mo
Today · 4.125%
HK$35,838
baseline
▲ 0.50% · 4.625%
HK$37,728
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,676/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,676
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,817
−HK$1,159/mo
Today · 4.125%
HK$38,976
baseline
▲ 0.50% · 4.625%
HK$41,348
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,952/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,802
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,896
−HK$1,110/mo
Today · 4.125%
HK$43,006
baseline
▲ 0.50% · 4.625%
HK$45,273
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,012/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,789
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,120
−HK$1,352/mo
Today · 4.125%
HK$45,472
baseline
▲ 0.50% · 4.625%
HK$48,239
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,944/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,602
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,879
−HK$1,295/mo
Today · 4.125%
HK$50,174
baseline
▲ 0.50% · 4.625%
HK$52,819
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,348/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,014
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,725
−HK$1,739/mo
Today · 4.125%
HK$58,464
baseline
▲ 0.50% · 4.625%
HK$62,021
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,928/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,631 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,203
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,844
−HK$1,665/mo
Today · 4.125%
HK$64,509
baseline
▲ 0.50% · 4.625%
HK$67,910
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,018/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,631 · Scale 2, in force from 26 Feb 2026)