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$30,720
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,676
−HK$971/mo
Today · 4.125%
HK$32,647
baseline
▲ 0.50% · 4.625%
HK$34,633
+HK$1,986/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,294/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,176
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,093
−HK$930/mo
Today · 4.125%
HK$36,023
baseline
▲ 0.50% · 4.625%
HK$37,921
+HK$1,898/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,046/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,865
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,011
−HK$1,165/mo
Today · 4.125%
HK$39,176
baseline
▲ 0.50% · 4.625%
HK$41,560
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,352/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,011
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,111
−HK$1,116/mo
Today · 4.125%
HK$43,227
baseline
▲ 0.50% · 4.625%
HK$45,506
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,454/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,009
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,347
−HK$1,359/mo
Today · 4.125%
HK$45,706
baseline
▲ 0.50% · 4.625%
HK$48,487
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,412/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,847
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,130
−HK$1,302/mo
Today · 4.125%
HK$50,432
baseline
▲ 0.50% · 4.625%
HK$53,090
+HK$2,658/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,864/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,297
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,017
−HK$1,747/mo
Today · 4.125%
HK$58,764
baseline
▲ 0.50% · 4.625%
HK$62,340
+HK$3,576/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,528/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,215 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,517
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,167
−HK$1,674/mo
Today · 4.125%
HK$64,841
baseline
▲ 0.50% · 4.625%
HK$68,259
+HK$3,418/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,682/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,215 · Scale 2, in force from 26 Feb 2026)