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$30,545
−HK$1,916/mo
▼ 0.25% · 3.875%
HK$31,495
−HK$966/mo
Today · 4.125%
HK$32,461
baseline
▲ 0.50% · 4.625%
HK$34,436
+HK$1,975/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,922/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,981
−HK$1,836/mo
▼ 0.25% · 3.875%
HK$34,893
−HK$924/mo
Today · 4.125%
HK$35,817
baseline
▲ 0.50% · 4.625%
HK$37,705
+HK$1,888/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,634/mo (50% DSR)
Upfront cash ≈ HK$7.20M (deposit + AVD stamp duty HK$502,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,654
−HK$2,299/mo
▼ 0.25% · 3.875%
HK$37,794
−HK$1,159/mo
Today · 4.125%
HK$38,953
baseline
▲ 0.50% · 4.625%
HK$41,323
+HK$2,370/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,906/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,777
−HK$2,204/mo
▼ 0.25% · 3.875%
HK$41,871
−HK$1,110/mo
Today · 4.125%
HK$42,981
baseline
▲ 0.50% · 4.625%
HK$45,246
+HK$2,265/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$85,962/mo (50% DSR)
Upfront cash ≈ HK$5.86M (deposit + AVD stamp duty HK$502,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,763
−HK$2,682/mo
▼ 0.25% · 3.875%
HK$44,093
−HK$1,352/mo
Today · 4.125%
HK$45,445
baseline
▲ 0.50% · 4.625%
HK$48,210
+HK$2,765/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,890/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,574
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$48,850
−HK$1,294/mo
Today · 4.125%
HK$50,144
baseline
▲ 0.50% · 4.625%
HK$52,787
+HK$2,643/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,288/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,981
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$56,692
−HK$1,737/mo
Today · 4.125%
HK$58,429
baseline
▲ 0.50% · 4.625%
HK$61,984
+HK$3,555/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$116,858/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,332 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,166
−HK$3,305/mo
▼ 0.25% · 3.875%
HK$62,807
−HK$1,664/mo
Today · 4.125%
HK$64,471
baseline
▲ 0.50% · 4.625%
HK$67,869
+HK$3,398/mo
Deposit HK$1.34M · loan HK$12.06M · min. income ≈ HK$128,942/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,332 · Scale 2, in force from 26 Feb 2026)