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$30,730
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,686
−HK$972/mo
Today · 4.125%
HK$32,658
baseline
▲ 0.50% · 4.625%
HK$34,645
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,316/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,187
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,104
−HK$930/mo
Today · 4.125%
HK$36,034
baseline
▲ 0.50% · 4.625%
HK$37,934
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,068/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,877
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,024
−HK$1,165/mo
Today · 4.125%
HK$39,189
baseline
▲ 0.50% · 4.625%
HK$41,574
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,378/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,025
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,125
−HK$1,116/mo
Today · 4.125%
HK$43,241
baseline
▲ 0.50% · 4.625%
HK$45,521
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,482/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,023
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,361
−HK$1,360/mo
Today · 4.125%
HK$45,721
baseline
▲ 0.50% · 4.625%
HK$48,503
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,442/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,862
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,146
−HK$1,302/mo
Today · 4.125%
HK$50,448
baseline
▲ 0.50% · 4.625%
HK$53,107
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,896/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,315
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,035
−HK$1,749/mo
Today · 4.125%
HK$58,784
baseline
▲ 0.50% · 4.625%
HK$62,360
+HK$3,576/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,568/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,537
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,188
−HK$1,674/mo
Today · 4.125%
HK$64,862
baseline
▲ 0.50% · 4.625%
HK$68,281
+HK$3,419/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,724/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,379 · Scale 2, in force from 26 Feb 2026)