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$30,562
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,513
−HK$965/mo
Today · 4.125%
HK$32,478
baseline
▲ 0.50% · 4.625%
HK$34,455
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,956/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,000
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,912
−HK$925/mo
Today · 4.125%
HK$35,837
baseline
▲ 0.50% · 4.625%
HK$37,726
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,674/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,674
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,815
−HK$1,159/mo
Today · 4.125%
HK$38,974
baseline
▲ 0.50% · 4.625%
HK$41,346
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,948/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,800
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,894
−HK$1,110/mo
Today · 4.125%
HK$43,004
baseline
▲ 0.50% · 4.625%
HK$45,271
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,008/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,787
−HK$2,683/mo
▼ 0.25% · 3.875%
HK$44,118
−HK$1,352/mo
Today · 4.125%
HK$45,470
baseline
▲ 0.50% · 4.625%
HK$48,237
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,940/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,600
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,876
−HK$1,296/mo
Today · 4.125%
HK$50,172
baseline
▲ 0.50% · 4.625%
HK$52,816
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,344/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,012
−HK$3,449/mo
▼ 0.25% · 3.875%
HK$56,723
−HK$1,738/mo
Today · 4.125%
HK$58,461
baseline
▲ 0.50% · 4.625%
HK$62,018
+HK$3,557/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,922/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,608 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,200
−HK$3,306/mo
▼ 0.25% · 3.875%
HK$62,841
−HK$1,665/mo
Today · 4.125%
HK$64,506
baseline
▲ 0.50% · 4.625%
HK$67,906
+HK$3,400/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,012/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,608 · Scale 2, in force from 26 Feb 2026)