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$30,750
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,707
−HK$972/mo
Today · 4.125%
HK$32,679
baseline
▲ 0.50% · 4.625%
HK$34,667
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,358/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,210
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,127
−HK$931/mo
Today · 4.125%
HK$36,058
baseline
▲ 0.50% · 4.625%
HK$37,959
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,116/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,901
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,048
−HK$1,167/mo
Today · 4.125%
HK$39,215
baseline
▲ 0.50% · 4.625%
HK$41,601
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,430/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,052
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,153
−HK$1,116/mo
Today · 4.125%
HK$43,269
baseline
▲ 0.50% · 4.625%
HK$45,550
+HK$2,281/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,538/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,051
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,390
−HK$1,360/mo
Today · 4.125%
HK$45,750
baseline
▲ 0.50% · 4.625%
HK$48,534
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,500/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,893
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,178
−HK$1,303/mo
Today · 4.125%
HK$50,481
baseline
▲ 0.50% · 4.625%
HK$53,142
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,962/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,351
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,073
−HK$1,749/mo
Today · 4.125%
HK$58,822
baseline
▲ 0.50% · 4.625%
HK$62,401
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,644/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,577
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,229
−HK$1,675/mo
Today · 4.125%
HK$64,904
baseline
▲ 0.50% · 4.625%
HK$68,325
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,808/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,708 · Scale 2, in force from 26 Feb 2026)