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$30,712
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,668
−HK$970/mo
Today · 4.125%
HK$32,638
baseline
▲ 0.50% · 4.625%
HK$34,624
+HK$1,986/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,276/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,167
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,084
−HK$929/mo
Today · 4.125%
HK$36,013
baseline
▲ 0.50% · 4.625%
HK$37,911
+HK$1,898/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,026/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,855
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,001
−HK$1,165/mo
Today · 4.125%
HK$39,166
baseline
▲ 0.50% · 4.625%
HK$41,549
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,332/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,001
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,100
−HK$1,116/mo
Today · 4.125%
HK$43,216
baseline
▲ 0.50% · 4.625%
HK$45,494
+HK$2,278/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,432/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,997
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,335
−HK$1,359/mo
Today · 4.125%
HK$45,694
baseline
▲ 0.50% · 4.625%
HK$48,474
+HK$2,780/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,388/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,834
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,117
−HK$1,301/mo
Today · 4.125%
HK$50,418
baseline
▲ 0.50% · 4.625%
HK$53,076
+HK$2,658/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,836/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,282
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,002
−HK$1,747/mo
Today · 4.125%
HK$58,749
baseline
▲ 0.50% · 4.625%
HK$62,324
+HK$3,575/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,498/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,501
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,150
−HK$1,674/mo
Today · 4.125%
HK$64,824
baseline
▲ 0.50% · 4.625%
HK$68,241
+HK$3,417/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,648/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,081 · Scale 2, in force from 26 Feb 2026)