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$30,740
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,696
−HK$972/mo
Today · 4.125%
HK$32,668
baseline
▲ 0.50% · 4.625%
HK$34,656
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,336/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,198
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,115
−HK$931/mo
Today · 4.125%
HK$36,046
baseline
▲ 0.50% · 4.625%
HK$37,946
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,092/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,888
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,036
−HK$1,165/mo
Today · 4.125%
HK$39,201
baseline
▲ 0.50% · 4.625%
HK$41,587
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,402/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,038
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,117/mo
Today · 4.125%
HK$43,255
baseline
▲ 0.50% · 4.625%
HK$45,535
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,510/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,036
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,375
−HK$1,360/mo
Today · 4.125%
HK$45,735
baseline
▲ 0.50% · 4.625%
HK$48,518
+HK$2,783/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$91,470/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,877
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,161
−HK$1,303/mo
Today · 4.125%
HK$50,464
baseline
▲ 0.50% · 4.625%
HK$53,124
+HK$2,660/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$100,928/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,332
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,053
−HK$1,749/mo
Today · 4.125%
HK$58,802
baseline
▲ 0.50% · 4.625%
HK$62,380
+HK$3,578/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,604/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,538 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,557
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,208
−HK$1,674/mo
Today · 4.125%
HK$64,882
baseline
▲ 0.50% · 4.625%
HK$68,302
+HK$3,420/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,764/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,538 · Scale 2, in force from 26 Feb 2026)