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$30,723
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,678
−HK$971/mo
Today · 4.125%
HK$32,649
baseline
▲ 0.50% · 4.625%
HK$34,636
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,298/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,179
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,095
−HK$930/mo
Today · 4.125%
HK$36,025
baseline
▲ 0.50% · 4.625%
HK$37,924
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,050/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,867
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,014
−HK$1,165/mo
Today · 4.125%
HK$39,179
baseline
▲ 0.50% · 4.625%
HK$41,563
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,358/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,014
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,114
−HK$1,116/mo
Today · 4.125%
HK$43,230
baseline
▲ 0.50% · 4.625%
HK$45,509
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,460/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,012
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,350
−HK$1,359/mo
Today · 4.125%
HK$45,709
baseline
▲ 0.50% · 4.625%
HK$48,490
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,418/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,850
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,134
−HK$1,301/mo
Today · 4.125%
HK$50,435
baseline
▲ 0.50% · 4.625%
HK$53,094
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,870/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,301
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,021
−HK$1,748/mo
Today · 4.125%
HK$58,769
baseline
▲ 0.50% · 4.625%
HK$62,345
+HK$3,576/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,538/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,252 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,522
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,172
−HK$1,674/mo
Today · 4.125%
HK$64,846
baseline
▲ 0.50% · 4.625%
HK$68,264
+HK$3,418/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,692/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,252 · Scale 2, in force from 26 Feb 2026)