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$30,539
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,488
−HK$966/mo
Today · 4.125%
HK$32,454
baseline
▲ 0.50% · 4.625%
HK$34,428
+HK$1,974/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,908/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,974
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,885
−HK$924/mo
Today · 4.125%
HK$35,809
baseline
▲ 0.50% · 4.625%
HK$37,697
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,618/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,646
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,786
−HK$1,158/mo
Today · 4.125%
HK$38,944
baseline
▲ 0.50% · 4.625%
HK$41,314
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,888/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,769
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,862
−HK$1,109/mo
Today · 4.125%
HK$42,971
baseline
▲ 0.50% · 4.625%
HK$45,236
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,942/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,754
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,084
−HK$1,351/mo
Today · 4.125%
HK$45,435
baseline
▲ 0.50% · 4.625%
HK$48,200
+HK$2,765/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,870/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,563
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,839
−HK$1,294/mo
Today · 4.125%
HK$50,133
baseline
▲ 0.50% · 4.625%
HK$52,776
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,266/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,969
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,679
−HK$1,737/mo
Today · 4.125%
HK$58,416
baseline
▲ 0.50% · 4.625%
HK$61,971
+HK$3,555/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,832/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,153
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,793
−HK$1,664/mo
Today · 4.125%
HK$64,457
baseline
▲ 0.50% · 4.625%
HK$67,854
+HK$3,397/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,914/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,223 · Scale 2, in force from 26 Feb 2026)