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$30,722
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,678
−HK$971/mo
Today · 4.125%
HK$32,649
baseline
▲ 0.50% · 4.625%
HK$34,635
+HK$1,986/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,298/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,178
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,095
−HK$930/mo
Today · 4.125%
HK$36,025
baseline
▲ 0.50% · 4.625%
HK$37,923
+HK$1,898/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,050/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,867
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,013
−HK$1,165/mo
Today · 4.125%
HK$39,178
baseline
▲ 0.50% · 4.625%
HK$41,562
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,356/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,014
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,114
−HK$1,115/mo
Today · 4.125%
HK$43,229
baseline
▲ 0.50% · 4.625%
HK$45,508
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,458/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,011
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,349
−HK$1,359/mo
Today · 4.125%
HK$45,708
baseline
▲ 0.50% · 4.625%
HK$48,489
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,416/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,849
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,133
−HK$1,301/mo
Today · 4.125%
HK$50,434
baseline
▲ 0.50% · 4.625%
HK$53,093
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,868/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,300
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,020
−HK$1,748/mo
Today · 4.125%
HK$58,768
baseline
▲ 0.50% · 4.625%
HK$62,343
+HK$3,575/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,536/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,520
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,170
−HK$1,674/mo
Today · 4.125%
HK$64,844
baseline
▲ 0.50% · 4.625%
HK$68,262
+HK$3,418/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,688/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,241 · Scale 2, in force from 26 Feb 2026)