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$30,553
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,504
−HK$965/mo
Today · 4.125%
HK$32,469
baseline
▲ 0.50% · 4.625%
HK$34,445
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,938/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,990
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,902
−HK$925/mo
Today · 4.125%
HK$35,827
baseline
▲ 0.50% · 4.625%
HK$37,715
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,654/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,664
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,805
−HK$1,158/mo
Today · 4.125%
HK$38,963
baseline
▲ 0.50% · 4.625%
HK$41,334
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,926/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,789
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,882
−HK$1,110/mo
Today · 4.125%
HK$42,992
baseline
▲ 0.50% · 4.625%
HK$45,258
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,984/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,775
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,105
−HK$1,352/mo
Today · 4.125%
HK$45,457
baseline
▲ 0.50% · 4.625%
HK$48,223
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,914/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,587
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,863
−HK$1,295/mo
Today · 4.125%
HK$50,158
baseline
▲ 0.50% · 4.625%
HK$52,801
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,316/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,996
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,707
−HK$1,738/mo
Today · 4.125%
HK$58,445
baseline
▲ 0.50% · 4.625%
HK$62,001
+HK$3,556/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,890/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,468 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,183
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,824
−HK$1,664/mo
Today · 4.125%
HK$64,488
baseline
▲ 0.50% · 4.625%
HK$67,888
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,976/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,468 · Scale 2, in force from 26 Feb 2026)