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$30,747
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,703
−HK$972/mo
Today · 4.125%
HK$32,675
baseline
▲ 0.50% · 4.625%
HK$34,663
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,350/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,206
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,123
−HK$931/mo
Today · 4.125%
HK$36,054
baseline
▲ 0.50% · 4.625%
HK$37,954
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,108/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,896
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,044
−HK$1,166/mo
Today · 4.125%
HK$39,210
baseline
▲ 0.50% · 4.625%
HK$41,596
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,420/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,047
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,148
−HK$1,117/mo
Today · 4.125%
HK$43,265
baseline
▲ 0.50% · 4.625%
HK$45,545
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,530/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,046
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,385
−HK$1,360/mo
Today · 4.125%
HK$45,745
baseline
▲ 0.50% · 4.625%
HK$48,529
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,490/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,888
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,172
−HK$1,303/mo
Today · 4.125%
HK$50,475
baseline
▲ 0.50% · 4.625%
HK$53,136
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,950/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,345
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,066
−HK$1,749/mo
Today · 4.125%
HK$58,815
baseline
▲ 0.50% · 4.625%
HK$62,394
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,630/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,651 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,570
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,222
−HK$1,675/mo
Today · 4.125%
HK$64,897
baseline
▲ 0.50% · 4.625%
HK$68,318
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,794/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,651 · Scale 2, in force from 26 Feb 2026)