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$30,559
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,510
−HK$966/mo
Today · 4.125%
HK$32,476
baseline
▲ 0.50% · 4.625%
HK$34,452
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,952/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,997
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,909
−HK$925/mo
Today · 4.125%
HK$35,834
baseline
▲ 0.50% · 4.625%
HK$37,723
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,668/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,671
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,812
−HK$1,159/mo
Today · 4.125%
HK$38,971
baseline
▲ 0.50% · 4.625%
HK$41,342
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,942/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,797
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,891
−HK$1,110/mo
Today · 4.125%
HK$43,001
baseline
▲ 0.50% · 4.625%
HK$45,267
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,002/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,783
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,114
−HK$1,352/mo
Today · 4.125%
HK$45,466
baseline
▲ 0.50% · 4.625%
HK$48,233
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,932/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,596
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,872
−HK$1,295/mo
Today · 4.125%
HK$50,167
baseline
▲ 0.50% · 4.625%
HK$52,812
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,334/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,007
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,718
−HK$1,738/mo
Today · 4.125%
HK$58,456
baseline
▲ 0.50% · 4.625%
HK$62,013
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,912/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,195
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,836
−HK$1,665/mo
Today · 4.125%
HK$64,501
baseline
▲ 0.50% · 4.625%
HK$67,901
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,002/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,567 · Scale 2, in force from 26 Feb 2026)