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$30,567
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,517
−HK$966/mo
Today · 4.125%
HK$32,483
baseline
▲ 0.50% · 4.625%
HK$34,460
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,966/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,005
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,917
−HK$925/mo
Today · 4.125%
HK$35,842
baseline
▲ 0.50% · 4.625%
HK$37,732
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,684/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,680
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,821
−HK$1,159/mo
Today · 4.125%
HK$38,980
baseline
▲ 0.50% · 4.625%
HK$41,352
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,960/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,806
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,901
−HK$1,110/mo
Today · 4.125%
HK$43,011
baseline
▲ 0.50% · 4.625%
HK$45,278
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,022/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,793
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,124
−HK$1,353/mo
Today · 4.125%
HK$45,477
baseline
▲ 0.50% · 4.625%
HK$48,244
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,954/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,607
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,884
−HK$1,295/mo
Today · 4.125%
HK$50,179
baseline
▲ 0.50% · 4.625%
HK$52,824
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,358/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,020
−HK$3,450/mo
▼ 0.25% · 3.875%
HK$56,731
−HK$1,739/mo
Today · 4.125%
HK$58,470
baseline
▲ 0.50% · 4.625%
HK$62,028
+HK$3,558/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,940/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,209
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,851
−HK$1,665/mo
Today · 4.125%
HK$64,516
baseline
▲ 0.50% · 4.625%
HK$67,917
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$129,032/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,686 · Scale 2, in force from 26 Feb 2026)