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$30,757
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,714
−HK$972/mo
Today · 4.125%
HK$32,686
baseline
▲ 0.50% · 4.625%
HK$34,675
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,372/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,217
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,135
−HK$931/mo
Today · 4.125%
HK$36,066
baseline
▲ 0.50% · 4.625%
HK$37,967
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,132/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,908
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,056
−HK$1,167/mo
Today · 4.125%
HK$39,223
baseline
▲ 0.50% · 4.625%
HK$41,610
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,446/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,060
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,161
−HK$1,118/mo
Today · 4.125%
HK$43,279
baseline
▲ 0.50% · 4.625%
HK$45,560
+HK$2,281/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,558/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,060
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,399
−HK$1,361/mo
Today · 4.125%
HK$45,760
baseline
▲ 0.50% · 4.625%
HK$48,544
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,520/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,904
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,188
−HK$1,304/mo
Today · 4.125%
HK$50,492
baseline
▲ 0.50% · 4.625%
HK$53,153
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,984/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,363
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,085
−HK$1,749/mo
Today · 4.125%
HK$58,834
baseline
▲ 0.50% · 4.625%
HK$62,414
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,668/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,816 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,590
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,242
−HK$1,676/mo
Today · 4.125%
HK$64,918
baseline
▲ 0.50% · 4.625%
HK$68,340
+HK$3,422/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,836/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,816 · Scale 2, in force from 26 Feb 2026)