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$30,709
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,664
−HK$971/mo
Today · 4.125%
HK$32,635
baseline
▲ 0.50% · 4.625%
HK$34,620
+HK$1,985/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,270/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,163
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,080
−HK$929/mo
Today · 4.125%
HK$36,009
baseline
▲ 0.50% · 4.625%
HK$37,907
+HK$1,898/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,018/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,851
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,997
−HK$1,165/mo
Today · 4.125%
HK$39,162
baseline
▲ 0.50% · 4.625%
HK$41,545
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,324/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,996
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,096
−HK$1,115/mo
Today · 4.125%
HK$43,211
baseline
▲ 0.50% · 4.625%
HK$45,489
+HK$2,278/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,422/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,993
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,330
−HK$1,359/mo
Today · 4.125%
HK$45,689
baseline
▲ 0.50% · 4.625%
HK$48,469
+HK$2,780/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,378/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,829
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,112
−HK$1,301/mo
Today · 4.125%
HK$50,413
baseline
▲ 0.50% · 4.625%
HK$53,070
+HK$2,657/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,826/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,276
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,996
−HK$1,746/mo
Today · 4.125%
HK$58,742
baseline
▲ 0.50% · 4.625%
HK$62,317
+HK$3,575/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,484/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,494
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,143
−HK$1,674/mo
Today · 4.125%
HK$64,817
baseline
▲ 0.50% · 4.625%
HK$68,233
+HK$3,416/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,634/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,026 · Scale 2, in force from 26 Feb 2026)