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$30,754
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,711
−HK$972/mo
Today · 4.125%
HK$32,683
baseline
▲ 0.50% · 4.625%
HK$34,672
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,366/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,214
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,132
−HK$930/mo
Today · 4.125%
HK$36,062
baseline
▲ 0.50% · 4.625%
HK$37,963
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,124/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,905
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,053
−HK$1,167/mo
Today · 4.125%
HK$39,220
baseline
▲ 0.50% · 4.625%
HK$41,606
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,440/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,057
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,117/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,556
+HK$2,281/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,056
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,395
−HK$1,361/mo
Today · 4.125%
HK$45,756
baseline
▲ 0.50% · 4.625%
HK$48,540
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,512/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,899
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,184
−HK$1,303/mo
Today · 4.125%
HK$50,487
baseline
▲ 0.50% · 4.625%
HK$53,149
+HK$2,662/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,974/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,358
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,080
−HK$1,749/mo
Today · 4.125%
HK$58,829
baseline
▲ 0.50% · 4.625%
HK$62,409
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,658/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,772 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,585
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,237
−HK$1,675/mo
Today · 4.125%
HK$64,912
baseline
▲ 0.50% · 4.625%
HK$68,334
+HK$3,422/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,824/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,772 · Scale 2, in force from 26 Feb 2026)