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$30,711
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,666
−HK$971/mo
Today · 4.125%
HK$32,637
baseline
▲ 0.50% · 4.625%
HK$34,622
+HK$1,985/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,274/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,165
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,082
−HK$929/mo
Today · 4.125%
HK$36,011
baseline
▲ 0.50% · 4.625%
HK$37,909
+HK$1,898/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,022/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,853
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$37,999
−HK$1,165/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,328/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,999
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,116/mo
Today · 4.125%
HK$43,214
baseline
▲ 0.50% · 4.625%
HK$45,491
+HK$2,277/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,428/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,995
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,332
−HK$1,359/mo
Today · 4.125%
HK$45,691
baseline
▲ 0.50% · 4.625%
HK$48,471
+HK$2,780/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,382/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,832
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,114
−HK$1,302/mo
Today · 4.125%
HK$50,416
baseline
▲ 0.50% · 4.625%
HK$53,073
+HK$2,657/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,832/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,279
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$56,999
−HK$1,747/mo
Today · 4.125%
HK$58,746
baseline
▲ 0.50% · 4.625%
HK$62,320
+HK$3,574/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,492/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,498
−HK$3,322/mo
▼ 0.25% · 3.875%
HK$63,147
−HK$1,673/mo
Today · 4.125%
HK$64,820
baseline
▲ 0.50% · 4.625%
HK$68,237
+HK$3,417/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,640/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,055 · Scale 2, in force from 26 Feb 2026)