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$30,758
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,715
−HK$972/mo
Today · 4.125%
HK$32,687
baseline
▲ 0.50% · 4.625%
HK$34,676
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,374/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,218
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,136
−HK$931/mo
Today · 4.125%
HK$36,067
baseline
▲ 0.50% · 4.625%
HK$37,968
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,134/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,910
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,058
−HK$1,167/mo
Today · 4.125%
HK$39,225
baseline
▲ 0.50% · 4.625%
HK$41,611
+HK$2,386/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,450/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,062
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,163
−HK$1,117/mo
Today · 4.125%
HK$43,280
baseline
▲ 0.50% · 4.625%
HK$45,562
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,560/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,062
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,401
−HK$1,361/mo
Today · 4.125%
HK$45,762
baseline
▲ 0.50% · 4.625%
HK$48,547
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,524/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,906
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,191
−HK$1,303/mo
Today · 4.125%
HK$50,494
baseline
▲ 0.50% · 4.625%
HK$53,156
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,988/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,365
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,087
−HK$1,750/mo
Today · 4.125%
HK$58,837
baseline
▲ 0.50% · 4.625%
HK$62,417
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,674/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,593
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,245
−HK$1,676/mo
Today · 4.125%
HK$64,921
baseline
▲ 0.50% · 4.625%
HK$68,343
+HK$3,422/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,842/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,838 · Scale 2, in force from 26 Feb 2026)