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$30,552
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,502
−HK$965/mo
Today · 4.125%
HK$32,467
baseline
▲ 0.50% · 4.625%
HK$34,443
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,934/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,988
−HK$1,837/mo
▼ 0.25% · 3.875%
HK$34,900
−HK$925/mo
Today · 4.125%
HK$35,825
baseline
▲ 0.50% · 4.625%
HK$37,713
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,650/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,662
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,802
−HK$1,159/mo
Today · 4.125%
HK$38,961
baseline
▲ 0.50% · 4.625%
HK$41,332
+HK$2,371/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,922/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,786
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,880
−HK$1,109/mo
Today · 4.125%
HK$42,989
baseline
▲ 0.50% · 4.625%
HK$45,256
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,978/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,772
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,103
−HK$1,351/mo
Today · 4.125%
HK$45,454
baseline
▲ 0.50% · 4.625%
HK$48,220
+HK$2,766/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,908/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,584
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,860
−HK$1,294/mo
Today · 4.125%
HK$50,154
baseline
▲ 0.50% · 4.625%
HK$52,798
+HK$2,644/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,308/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,993
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,703
−HK$1,738/mo
Today · 4.125%
HK$58,441
baseline
▲ 0.50% · 4.625%
HK$61,997
+HK$3,556/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,882/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,179
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,820
−HK$1,664/mo
Today · 4.125%
HK$64,484
baseline
▲ 0.50% · 4.625%
HK$67,883
+HK$3,399/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,968/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,436 · Scale 2, in force from 26 Feb 2026)