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$30,546
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,496
−HK$966/mo
Today · 4.125%
HK$32,462
baseline
▲ 0.50% · 4.625%
HK$34,437
+HK$1,975/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,924/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,982
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,894
−HK$924/mo
Today · 4.125%
HK$35,818
baseline
▲ 0.50% · 4.625%
HK$37,706
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,636/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,656
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,796
−HK$1,158/mo
Today · 4.125%
HK$38,954
baseline
▲ 0.50% · 4.625%
HK$41,324
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,908/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,779
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,873
−HK$1,109/mo
Today · 4.125%
HK$42,982
baseline
▲ 0.50% · 4.625%
HK$45,248
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,964/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,765
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,095
−HK$1,352/mo
Today · 4.125%
HK$45,447
baseline
▲ 0.50% · 4.625%
HK$48,212
+HK$2,765/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,894/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,575
−HK$2,571/mo
▼ 0.25% · 3.875%
HK$48,851
−HK$1,295/mo
Today · 4.125%
HK$50,146
baseline
▲ 0.50% · 4.625%
HK$52,789
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,292/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,983
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,694
−HK$1,737/mo
Today · 4.125%
HK$58,431
baseline
▲ 0.50% · 4.625%
HK$61,987
+HK$3,556/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,862/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,168
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,809
−HK$1,664/mo
Today · 4.125%
HK$64,473
baseline
▲ 0.50% · 4.625%
HK$67,872
+HK$3,399/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,946/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,351 · Scale 2, in force from 26 Feb 2026)