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$30,565
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,516
−HK$966/mo
Today · 4.125%
HK$32,482
baseline
▲ 0.50% · 4.625%
HK$34,458
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,964/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,003
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,915
−HK$925/mo
Today · 4.125%
HK$35,840
baseline
▲ 0.50% · 4.625%
HK$37,730
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,680/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,678
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,819
−HK$1,159/mo
Today · 4.125%
HK$38,978
baseline
▲ 0.50% · 4.625%
HK$41,350
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,956/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,804
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,898
−HK$1,110/mo
Today · 4.125%
HK$43,008
baseline
▲ 0.50% · 4.625%
HK$45,275
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,016/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,791
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,122
−HK$1,352/mo
Today · 4.125%
HK$45,474
baseline
▲ 0.50% · 4.625%
HK$48,241
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,948/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,605
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,881
−HK$1,295/mo
Today · 4.125%
HK$50,176
baseline
▲ 0.50% · 4.625%
HK$52,821
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,352/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,017
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,728
−HK$1,739/mo
Today · 4.125%
HK$58,467
baseline
▲ 0.50% · 4.625%
HK$62,025
+HK$3,558/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,934/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,658 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,206
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,847
−HK$1,666/mo
Today · 4.125%
HK$64,513
baseline
▲ 0.50% · 4.625%
HK$67,913
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,026/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,658 · Scale 2, in force from 26 Feb 2026)