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$30,760
−HK$1,929/mo
▼ 0.25% · 3.875%
HK$31,717
−HK$972/mo
Today · 4.125%
HK$32,689
baseline
▲ 0.50% · 4.625%
HK$34,678
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,378/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,220
−HK$1,849/mo
▼ 0.25% · 3.875%
HK$35,138
−HK$931/mo
Today · 4.125%
HK$36,069
baseline
▲ 0.50% · 4.625%
HK$37,970
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,138/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,912
−HK$2,315/mo
▼ 0.25% · 3.875%
HK$38,060
−HK$1,167/mo
Today · 4.125%
HK$39,227
baseline
▲ 0.50% · 4.625%
HK$41,614
+HK$2,387/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$78,454/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,064
−HK$2,219/mo
▼ 0.25% · 3.875%
HK$42,166
−HK$1,117/mo
Today · 4.125%
HK$43,283
baseline
▲ 0.50% · 4.625%
HK$45,564
+HK$2,281/mo
Deposit HK$5.40M · loan HK$8.09M · min. income ≈ HK$86,566/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,064
−HK$2,701/mo
▼ 0.25% · 3.875%
HK$44,404
−HK$1,361/mo
Today · 4.125%
HK$45,765
baseline
▲ 0.50% · 4.625%
HK$48,549
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,530/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,908
−HK$2,589/mo
▼ 0.25% · 3.875%
HK$49,193
−HK$1,304/mo
Today · 4.125%
HK$50,497
baseline
▲ 0.50% · 4.625%
HK$53,158
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,994/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,368
−HK$3,472/mo
▼ 0.25% · 3.875%
HK$57,090
−HK$1,750/mo
Today · 4.125%
HK$58,840
baseline
▲ 0.50% · 4.625%
HK$62,420
+HK$3,580/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,680/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,596
−HK$3,328/mo
▼ 0.25% · 3.875%
HK$63,248
−HK$1,676/mo
Today · 4.125%
HK$64,924
baseline
▲ 0.50% · 4.625%
HK$68,347
+HK$3,423/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,848/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,865 · Scale 2, in force from 26 Feb 2026)