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$30,756
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,713
−HK$972/mo
Today · 4.125%
HK$32,685
baseline
▲ 0.50% · 4.625%
HK$34,674
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,370/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,216
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,134
−HK$931/mo
Today · 4.125%
HK$36,065
baseline
▲ 0.50% · 4.625%
HK$37,966
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,130/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,907
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,055
−HK$1,167/mo
Today · 4.125%
HK$39,222
baseline
▲ 0.50% · 4.625%
HK$41,608
+HK$2,386/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,444/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,059
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,160
−HK$1,117/mo
Today · 4.125%
HK$43,277
baseline
▲ 0.50% · 4.625%
HK$45,559
+HK$2,282/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,554/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,059
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,398
−HK$1,361/mo
Today · 4.125%
HK$45,759
baseline
▲ 0.50% · 4.625%
HK$48,543
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,518/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,902
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,187
−HK$1,303/mo
Today · 4.125%
HK$50,490
baseline
▲ 0.50% · 4.625%
HK$53,152
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,980/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,361
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,083
−HK$1,750/mo
Today · 4.125%
HK$58,833
baseline
▲ 0.50% · 4.625%
HK$62,413
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,666/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,589
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,241
−HK$1,675/mo
Today · 4.125%
HK$64,916
baseline
▲ 0.50% · 4.625%
HK$68,338
+HK$3,422/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,832/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,802 · Scale 2, in force from 26 Feb 2026)