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$30,534
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,484
−HK$965/mo
Today · 4.125%
HK$32,449
baseline
▲ 0.50% · 4.625%
HK$34,423
+HK$1,974/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,898/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,969
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,880
−HK$924/mo
Today · 4.125%
HK$35,804
baseline
▲ 0.50% · 4.625%
HK$37,691
+HK$1,887/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,608/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,641
−HK$2,297/mo
▼ 0.25% · 3.875%
HK$37,781
−HK$1,157/mo
Today · 4.125%
HK$38,938
baseline
▲ 0.50% · 4.625%
HK$41,308
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$77,876/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,763
−HK$2,202/mo
▼ 0.25% · 3.875%
HK$41,856
−HK$1,109/mo
Today · 4.125%
HK$42,965
baseline
▲ 0.50% · 4.625%
HK$45,230
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.03M · min. income ≈ HK$85,930/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,748
−HK$2,680/mo
▼ 0.25% · 3.875%
HK$44,077
−HK$1,351/mo
Today · 4.125%
HK$45,428
baseline
▲ 0.50% · 4.625%
HK$48,192
+HK$2,764/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$90,856/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,556
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,832
−HK$1,294/mo
Today · 4.125%
HK$50,126
baseline
▲ 0.50% · 4.625%
HK$52,768
+HK$2,642/mo
Deposit HK$4.02M · loan HK$9.37M · min. income ≈ HK$100,252/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,961
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,671
−HK$1,737/mo
Today · 4.125%
HK$58,408
baseline
▲ 0.50% · 4.625%
HK$61,962
+HK$3,554/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,816/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,144
−HK$3,303/mo
▼ 0.25% · 3.875%
HK$62,784
−HK$1,663/mo
Today · 4.125%
HK$64,447
baseline
▲ 0.50% · 4.625%
HK$67,844
+HK$3,397/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,894/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,148 · Scale 2, in force from 26 Feb 2026)