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$30,570
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,521
−HK$966/mo
Today · 4.125%
HK$32,487
baseline
▲ 0.50% · 4.625%
HK$34,464
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,974/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,009
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,921
−HK$925/mo
Today · 4.125%
HK$35,846
baseline
▲ 0.50% · 4.625%
HK$37,736
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,692/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,684
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,825
−HK$1,160/mo
Today · 4.125%
HK$38,985
baseline
▲ 0.50% · 4.625%
HK$41,357
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,970/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,811
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,905
−HK$1,111/mo
Today · 4.125%
HK$43,016
baseline
▲ 0.50% · 4.625%
HK$45,283
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,032/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,798
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,129
−HK$1,353/mo
Today · 4.125%
HK$45,482
baseline
▲ 0.50% · 4.625%
HK$48,249
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,964/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,613
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,890
−HK$1,295/mo
Today · 4.125%
HK$50,185
baseline
▲ 0.50% · 4.625%
HK$52,830
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,370/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,026
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,738
−HK$1,739/mo
Today · 4.125%
HK$58,477
baseline
▲ 0.50% · 4.625%
HK$62,035
+HK$3,558/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,954/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,216
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,858
−HK$1,665/mo
Today · 4.125%
HK$64,523
baseline
▲ 0.50% · 4.625%
HK$67,925
+HK$3,402/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,046/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,742 · Scale 2, in force from 26 Feb 2026)