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$30,715
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,670
−HK$971/mo
Today · 4.125%
HK$32,641
baseline
▲ 0.50% · 4.625%
HK$34,627
+HK$1,986/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,282/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,170
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,086
−HK$930/mo
Today · 4.125%
HK$36,016
baseline
▲ 0.50% · 4.625%
HK$37,915
+HK$1,899/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,032/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,858
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,004
−HK$1,165/mo
Today · 4.125%
HK$39,169
baseline
▲ 0.50% · 4.625%
HK$41,553
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,338/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,004
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,104
−HK$1,115/mo
Today · 4.125%
HK$43,219
baseline
▲ 0.50% · 4.625%
HK$45,498
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,438/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,001
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,338
−HK$1,359/mo
Today · 4.125%
HK$45,697
baseline
▲ 0.50% · 4.625%
HK$48,478
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,394/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,838
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,121
−HK$1,302/mo
Today · 4.125%
HK$50,423
baseline
▲ 0.50% · 4.625%
HK$53,080
+HK$2,657/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,846/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,287
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,007
−HK$1,747/mo
Today · 4.125%
HK$58,754
baseline
▲ 0.50% · 4.625%
HK$62,329
+HK$3,575/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,508/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,506
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,156
−HK$1,673/mo
Today · 4.125%
HK$64,829
baseline
▲ 0.50% · 4.625%
HK$68,246
+HK$3,417/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,658/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,123 · Scale 2, in force from 26 Feb 2026)