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$30,754
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,710
−HK$972/mo
Today · 4.125%
HK$32,682
baseline
▲ 0.50% · 4.625%
HK$34,671
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,364/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,213
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,131
−HK$931/mo
Today · 4.125%
HK$36,062
baseline
▲ 0.50% · 4.625%
HK$37,962
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,124/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,904
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,052
−HK$1,167/mo
Today · 4.125%
HK$39,219
baseline
▲ 0.50% · 4.625%
HK$41,605
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,438/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,056
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,157
−HK$1,117/mo
Today · 4.125%
HK$43,274
baseline
▲ 0.50% · 4.625%
HK$45,555
+HK$2,281/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,548/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,055
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,394
−HK$1,361/mo
Today · 4.125%
HK$45,755
baseline
▲ 0.50% · 4.625%
HK$48,539
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,510/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,898
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,183
−HK$1,303/mo
Today · 4.125%
HK$50,486
baseline
▲ 0.50% · 4.625%
HK$53,147
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,972/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,357
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,079
−HK$1,749/mo
Today · 4.125%
HK$58,828
baseline
▲ 0.50% · 4.625%
HK$62,407
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,656/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,584
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,235
−HK$1,676/mo
Today · 4.125%
HK$64,911
baseline
▲ 0.50% · 4.625%
HK$68,332
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,822/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,761 · Scale 2, in force from 26 Feb 2026)