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$30,732
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,688
−HK$971/mo
Today · 4.125%
HK$32,659
baseline
▲ 0.50% · 4.625%
HK$34,646
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,318/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,189
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,106
−HK$930/mo
Today · 4.125%
HK$36,036
baseline
▲ 0.50% · 4.625%
HK$37,936
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,072/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,878
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,026
−HK$1,165/mo
Today · 4.125%
HK$39,191
baseline
▲ 0.50% · 4.625%
HK$41,576
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,382/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,027
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,127
−HK$1,116/mo
Today · 4.125%
HK$43,243
baseline
▲ 0.50% · 4.625%
HK$45,523
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,486/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,025
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,363
−HK$1,360/mo
Today · 4.125%
HK$45,723
baseline
▲ 0.50% · 4.625%
HK$48,505
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,446/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,865
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,148
−HK$1,303/mo
Today · 4.125%
HK$50,451
baseline
▲ 0.50% · 4.625%
HK$53,110
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,902/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,318
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,038
−HK$1,749/mo
Today · 4.125%
HK$58,787
baseline
▲ 0.50% · 4.625%
HK$62,364
+HK$3,577/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,574/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,540
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,191
−HK$1,674/mo
Today · 4.125%
HK$64,865
baseline
▲ 0.50% · 4.625%
HK$68,284
+HK$3,419/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,730/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,405 · Scale 2, in force from 26 Feb 2026)