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$30,574
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,525
−HK$966/mo
Today · 4.125%
HK$32,491
baseline
▲ 0.50% · 4.625%
HK$34,468
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,982/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,013
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,926
−HK$925/mo
Today · 4.125%
HK$35,851
baseline
▲ 0.50% · 4.625%
HK$37,741
+HK$1,890/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,702/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,689
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,830
−HK$1,160/mo
Today · 4.125%
HK$38,990
baseline
▲ 0.50% · 4.625%
HK$41,362
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,980/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,816
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,911
−HK$1,110/mo
Today · 4.125%
HK$43,021
baseline
▲ 0.50% · 4.625%
HK$45,289
+HK$2,268/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,042/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,804
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,135
−HK$1,353/mo
Today · 4.125%
HK$45,488
baseline
▲ 0.50% · 4.625%
HK$48,256
+HK$2,768/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,976/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,619
−HK$2,573/mo
▼ 0.25% · 3.875%
HK$48,896
−HK$1,296/mo
Today · 4.125%
HK$50,192
baseline
▲ 0.50% · 4.625%
HK$52,837
+HK$2,645/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,384/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,033
−HK$3,452/mo
▼ 0.25% · 3.875%
HK$56,745
−HK$1,740/mo
Today · 4.125%
HK$58,485
baseline
▲ 0.50% · 4.625%
HK$62,043
+HK$3,558/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,970/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,224
−HK$3,308/mo
▼ 0.25% · 3.875%
HK$62,866
−HK$1,666/mo
Today · 4.125%
HK$64,532
baseline
▲ 0.50% · 4.625%
HK$67,934
+HK$3,402/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,064/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,808 · Scale 2, in force from 26 Feb 2026)