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$30,761
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,717
−HK$973/mo
Today · 4.125%
HK$32,690
baseline
▲ 0.50% · 4.625%
HK$34,679
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,380/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,221
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,139
−HK$931/mo
Today · 4.125%
HK$36,070
baseline
▲ 0.50% · 4.625%
HK$37,971
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,140/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,913
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,061
−HK$1,166/mo
Today · 4.125%
HK$39,227
baseline
▲ 0.50% · 4.625%
HK$41,614
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,454/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,065
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,166
−HK$1,118/mo
Today · 4.125%
HK$43,284
baseline
▲ 0.50% · 4.625%
HK$45,565
+HK$2,281/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,568/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,065
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,404
−HK$1,361/mo
Today · 4.125%
HK$45,765
baseline
▲ 0.50% · 4.625%
HK$48,550
+HK$2,785/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,530/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,909
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,194
−HK$1,304/mo
Today · 4.125%
HK$50,498
baseline
▲ 0.50% · 4.625%
HK$53,159
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,996/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,369
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,091
−HK$1,750/mo
Today · 4.125%
HK$58,841
baseline
▲ 0.50% · 4.625%
HK$62,421
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,682/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,597
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,249
−HK$1,676/mo
Today · 4.125%
HK$64,925
baseline
▲ 0.50% · 4.625%
HK$68,348
+HK$3,423/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,850/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,874 · Scale 2, in force from 26 Feb 2026)