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$30,573
−HK$1,917/mo
▼ 0.25% · 3.875%
HK$31,524
−HK$966/mo
Today · 4.125%
HK$32,490
baseline
▲ 0.50% · 4.625%
HK$34,467
+HK$1,977/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,980/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,012
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,924
−HK$926/mo
Today · 4.125%
HK$35,850
baseline
▲ 0.50% · 4.625%
HK$37,739
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,700/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,687
−HK$2,301/mo
▼ 0.25% · 3.875%
HK$37,829
−HK$1,159/mo
Today · 4.125%
HK$38,988
baseline
▲ 0.50% · 4.625%
HK$41,360
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,976/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,814
−HK$2,206/mo
▼ 0.25% · 3.875%
HK$41,909
−HK$1,111/mo
Today · 4.125%
HK$43,020
baseline
▲ 0.50% · 4.625%
HK$45,287
+HK$2,267/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,040/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,802
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,133
−HK$1,353/mo
Today · 4.125%
HK$45,486
baseline
▲ 0.50% · 4.625%
HK$48,254
+HK$2,768/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$90,972/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,617
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,894
−HK$1,295/mo
Today · 4.125%
HK$50,189
baseline
▲ 0.50% · 4.625%
HK$52,835
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.39M · min. income ≈ HK$100,378/mo (50% DSR)
Upfront cash ≈ HK$4.53M (deposit + AVD stamp duty HK$502,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,031
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,743
−HK$1,739/mo
Today · 4.125%
HK$58,482
baseline
▲ 0.50% · 4.625%
HK$62,041
+HK$3,559/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,964/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,788 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,222
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,864
−HK$1,665/mo
Today · 4.125%
HK$64,529
baseline
▲ 0.50% · 4.625%
HK$67,931
+HK$3,402/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,058/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,788 · Scale 2, in force from 26 Feb 2026)