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$30,570
−HK$1,918/mo
▼ 0.25% · 3.875%
HK$31,521
−HK$967/mo
Today · 4.125%
HK$32,488
baseline
▲ 0.50% · 4.625%
HK$34,464
+HK$1,976/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$64,976/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,009
−HK$1,838/mo
▼ 0.25% · 3.875%
HK$34,921
−HK$926/mo
Today · 4.125%
HK$35,847
baseline
▲ 0.50% · 4.625%
HK$37,736
+HK$1,889/mo
Deposit HK$6.70M · loan HK$6.70M · min. income ≈ HK$71,694/mo (50% DSR)
Upfront cash ≈ HK$7.21M (deposit + AVD stamp duty HK$502,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,685
−HK$2,300/mo
▼ 0.25% · 3.875%
HK$37,826
−HK$1,159/mo
Today · 4.125%
HK$38,985
baseline
▲ 0.50% · 4.625%
HK$41,357
+HK$2,372/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$77,970/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,811
−HK$2,205/mo
▼ 0.25% · 3.875%
HK$41,906
−HK$1,110/mo
Today · 4.125%
HK$43,016
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,268/mo
Deposit HK$5.36M · loan HK$8.04M · min. income ≈ HK$86,032/mo (50% DSR)
Upfront cash ≈ HK$5.87M (deposit + AVD stamp duty HK$502,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,799
−HK$2,684/mo
▼ 0.25% · 3.875%
HK$44,130
−HK$1,353/mo
Today · 4.125%
HK$45,483
baseline
▲ 0.50% · 4.625%
HK$48,250
+HK$2,767/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$90,966/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,613
−HK$2,572/mo
▼ 0.25% · 3.875%
HK$48,890
−HK$1,295/mo
Today · 4.125%
HK$50,185
baseline
▲ 0.50% · 4.625%
HK$52,831
+HK$2,646/mo
Deposit HK$4.02M · loan HK$9.38M · min. income ≈ HK$100,370/mo (50% DSR)
Upfront cash ≈ HK$4.52M (deposit + AVD stamp duty HK$502,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,027
−HK$3,451/mo
▼ 0.25% · 3.875%
HK$56,739
−HK$1,739/mo
Today · 4.125%
HK$58,478
baseline
▲ 0.50% · 4.625%
HK$62,036
+HK$3,558/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$116,956/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,748 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,217
−HK$3,307/mo
▼ 0.25% · 3.875%
HK$62,859
−HK$1,665/mo
Today · 4.125%
HK$64,524
baseline
▲ 0.50% · 4.625%
HK$67,925
+HK$3,401/mo
Deposit HK$1.34M · loan HK$12.07M · min. income ≈ HK$129,048/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$502,748 · Scale 2, in force from 26 Feb 2026)