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$30,542
−HK$1,915/mo
▼ 0.25% · 3.875%
HK$31,492
−HK$965/mo
Today · 4.125%
HK$32,457
baseline
▲ 0.50% · 4.625%
HK$34,432
+HK$1,975/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,914/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,978
−HK$1,835/mo
▼ 0.25% · 3.875%
HK$34,889
−HK$924/mo
Today · 4.125%
HK$35,813
baseline
▲ 0.50% · 4.625%
HK$37,701
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,626/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,651
−HK$2,298/mo
▼ 0.25% · 3.875%
HK$37,791
−HK$1,158/mo
Today · 4.125%
HK$38,949
baseline
▲ 0.50% · 4.625%
HK$41,319
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,898/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,773
−HK$2,203/mo
▼ 0.25% · 3.875%
HK$41,867
−HK$1,109/mo
Today · 4.125%
HK$42,976
baseline
▲ 0.50% · 4.625%
HK$45,242
+HK$2,266/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,952/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,759
−HK$2,681/mo
▼ 0.25% · 3.875%
HK$44,089
−HK$1,351/mo
Today · 4.125%
HK$45,440
baseline
▲ 0.50% · 4.625%
HK$48,205
+HK$2,765/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,880/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,569
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,845
−HK$1,294/mo
Today · 4.125%
HK$50,139
baseline
▲ 0.50% · 4.625%
HK$52,782
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,278/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,976
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$56,686
−HK$1,737/mo
Today · 4.125%
HK$58,423
baseline
▲ 0.50% · 4.625%
HK$61,978
+HK$3,555/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$116,846/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,160
−HK$3,304/mo
▼ 0.25% · 3.875%
HK$62,800
−HK$1,664/mo
Today · 4.125%
HK$64,464
baseline
▲ 0.50% · 4.625%
HK$67,862
+HK$3,398/mo
Deposit HK$1.34M · loan HK$12.05M · min. income ≈ HK$128,928/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,281 · Scale 2, in force from 26 Feb 2026)