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$30,716
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,672
−HK$970/mo
Today · 4.125%
HK$32,642
baseline
▲ 0.50% · 4.625%
HK$34,629
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,284/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,171
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,088
−HK$930/mo
Today · 4.125%
HK$36,018
baseline
▲ 0.50% · 4.625%
HK$37,916
+HK$1,898/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,036/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,859
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,006
−HK$1,165/mo
Today · 4.125%
HK$39,171
baseline
▲ 0.50% · 4.625%
HK$41,554
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,342/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,006
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,106
−HK$1,115/mo
Today · 4.125%
HK$43,221
baseline
▲ 0.50% · 4.625%
HK$45,499
+HK$2,278/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,442/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,003
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,340
−HK$1,359/mo
Today · 4.125%
HK$45,699
baseline
▲ 0.50% · 4.625%
HK$48,480
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,398/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,840
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,123
−HK$1,302/mo
Today · 4.125%
HK$50,425
baseline
▲ 0.50% · 4.625%
HK$53,083
+HK$2,658/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,850/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,289
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,009
−HK$1,747/mo
Today · 4.125%
HK$58,756
baseline
▲ 0.50% · 4.625%
HK$62,331
+HK$3,575/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,512/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,144 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,509
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,158
−HK$1,674/mo
Today · 4.125%
HK$64,832
baseline
▲ 0.50% · 4.625%
HK$68,249
+HK$3,417/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,664/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,144 · Scale 2, in force from 26 Feb 2026)