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$30,737
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$971/mo
Today · 4.125%
HK$32,664
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,328/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,194
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,111
−HK$931/mo
Today · 4.125%
HK$36,042
baseline
▲ 0.50% · 4.625%
HK$37,942
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,084/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,884
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,031
−HK$1,166/mo
Today · 4.125%
HK$39,197
baseline
▲ 0.50% · 4.625%
HK$41,582
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,394/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,033
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,134
−HK$1,116/mo
Today · 4.125%
HK$43,250
baseline
▲ 0.50% · 4.625%
HK$45,530
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,500/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,031
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,370
−HK$1,360/mo
Today · 4.125%
HK$45,730
baseline
▲ 0.50% · 4.625%
HK$48,512
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$91,460/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,872
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,156
−HK$1,302/mo
Today · 4.125%
HK$50,458
baseline
▲ 0.50% · 4.625%
HK$53,118
+HK$2,660/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$100,916/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,326
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,047
−HK$1,749/mo
Today · 4.125%
HK$58,796
baseline
▲ 0.50% · 4.625%
HK$62,373
+HK$3,577/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,592/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,550
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,201
−HK$1,674/mo
Today · 4.125%
HK$64,875
baseline
▲ 0.50% · 4.625%
HK$68,295
+HK$3,420/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,750/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,482 · Scale 2, in force from 26 Feb 2026)