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$30,733
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,689
−HK$972/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,648
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,191
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,108
−HK$930/mo
Today · 4.125%
HK$36,038
baseline
▲ 0.50% · 4.625%
HK$37,937
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,076/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,880
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,027
−HK$1,166/mo
Today · 4.125%
HK$39,193
baseline
▲ 0.50% · 4.625%
HK$41,578
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,386/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,029
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,129
−HK$1,116/mo
Today · 4.125%
HK$43,245
baseline
▲ 0.50% · 4.625%
HK$45,525
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,490/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,027
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,365
−HK$1,360/mo
Today · 4.125%
HK$45,725
baseline
▲ 0.50% · 4.625%
HK$48,507
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,450/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,867
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,151
−HK$1,302/mo
Today · 4.125%
HK$50,453
baseline
▲ 0.50% · 4.625%
HK$53,112
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,906/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,320
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,041
−HK$1,748/mo
Today · 4.125%
HK$58,789
baseline
▲ 0.50% · 4.625%
HK$62,366
+HK$3,577/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,578/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,543
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,194
−HK$1,674/mo
Today · 4.125%
HK$64,868
baseline
▲ 0.50% · 4.625%
HK$68,287
+HK$3,419/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,736/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,428 · Scale 2, in force from 26 Feb 2026)