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$30,577
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,528
−HK$967/mo
Today · 4.125%
HK$32,495
baseline
▲ 0.50% · 4.625%
HK$34,472
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,990/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,017
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,929
−HK$926/mo
Today · 4.125%
HK$35,855
baseline
▲ 0.50% · 4.625%
HK$37,745
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,710/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,693
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,834
−HK$1,160/mo
Today · 4.125%
HK$38,994
baseline
▲ 0.50% · 4.625%
HK$41,366
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$77,988/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,820
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,915
−HK$1,111/mo
Today · 4.125%
HK$43,026
baseline
▲ 0.50% · 4.625%
HK$45,294
+HK$2,268/mo
Deposit HK$5.36M · loan HK$8.05M · min. income ≈ HK$86,052/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,808
−HK$2,685/mo
▼ 0.25% · 3.875%
HK$44,140
−HK$1,353/mo
Today · 4.125%
HK$45,493
baseline
▲ 0.50% · 4.625%
HK$48,261
+HK$2,768/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,986/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,624
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,901
−HK$1,296/mo
Today · 4.125%
HK$50,197
baseline
▲ 0.50% · 4.625%
HK$52,843
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,394/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,039
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,751
−HK$1,740/mo
Today · 4.125%
HK$58,491
baseline
▲ 0.50% · 4.625%
HK$62,050
+HK$3,559/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,982/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,230
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$62,873
−HK$1,666/mo
Today · 4.125%
HK$64,539
baseline
▲ 0.50% · 4.625%
HK$67,940
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,078/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,860 · Scale 2, in force from 26 Feb 2026)