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$30,543
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,493
−HK$965/mo
Today · 4.125%
HK$32,458
baseline
▲ 0.50% · 4.625%
HK$34,433
+HK$1,975/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,916/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,979
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,890
−HK$924/mo
Today · 4.125%
HK$35,814
baseline
▲ 0.50% · 4.625%
HK$37,702
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,628/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,651
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,792
−HK$1,158/mo
Today · 4.125%
HK$38,950
baseline
▲ 0.50% · 4.625%
HK$41,320
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,900/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,774
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,868
−HK$1,109/mo
Today · 4.125%
HK$42,977
baseline
▲ 0.50% · 4.625%
HK$45,243
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,954/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,760
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,090
−HK$1,351/mo
Today · 4.125%
HK$45,441
baseline
▲ 0.50% · 4.625%
HK$48,206
+HK$2,765/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,882/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,570
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,846
−HK$1,294/mo
Today · 4.125%
HK$50,140
baseline
▲ 0.50% · 4.625%
HK$52,783
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,280/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,977
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,687
−HK$1,738/mo
Today · 4.125%
HK$58,425
baseline
▲ 0.50% · 4.625%
HK$61,980
+HK$3,555/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,850/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,294 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,162
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,802
−HK$1,664/mo
Today · 4.125%
HK$64,466
baseline
▲ 0.50% · 4.625%
HK$67,864
+HK$3,398/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,932/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,294 · Scale 2, in force from 26 Feb 2026)