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$30,755
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,712
−HK$972/mo
Today · 4.125%
HK$32,684
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,368/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,215
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,132
−HK$931/mo
Today · 4.125%
HK$36,063
baseline
▲ 0.50% · 4.625%
HK$37,964
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,126/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,906
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,054
−HK$1,166/mo
Today · 4.125%
HK$39,220
baseline
▲ 0.50% · 4.625%
HK$41,607
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,440/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,058
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,159
−HK$1,117/mo
Today · 4.125%
HK$43,276
baseline
▲ 0.50% · 4.625%
HK$45,557
+HK$2,281/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,552/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,057
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,396
−HK$1,361/mo
Today · 4.125%
HK$45,757
baseline
▲ 0.50% · 4.625%
HK$48,541
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,514/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,900
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,185
−HK$1,303/mo
Today · 4.125%
HK$50,488
baseline
▲ 0.50% · 4.625%
HK$53,150
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,976/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,359
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,081
−HK$1,749/mo
Today · 4.125%
HK$58,830
baseline
▲ 0.50% · 4.625%
HK$62,410
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,660/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,586
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,238
−HK$1,676/mo
Today · 4.125%
HK$64,914
baseline
▲ 0.50% · 4.625%
HK$68,335
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,828/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,782 · Scale 2, in force from 26 Feb 2026)