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$30,752
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,708
−HK$972/mo
Today · 4.125%
HK$32,680
baseline
▲ 0.50% · 4.625%
HK$34,669
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,360/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,211
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,128
−HK$931/mo
Today · 4.125%
HK$36,059
baseline
▲ 0.50% · 4.625%
HK$37,960
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,118/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,902
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,050
−HK$1,166/mo
Today · 4.125%
HK$39,216
baseline
▲ 0.50% · 4.625%
HK$41,602
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,432/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,053
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,154
−HK$1,117/mo
Today · 4.125%
HK$43,271
baseline
▲ 0.50% · 4.625%
HK$45,552
+HK$2,281/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,542/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,052
−HK$2,700/mo
▼ 0.25% · 3.875%
HK$44,392
−HK$1,360/mo
Today · 4.125%
HK$45,752
baseline
▲ 0.50% · 4.625%
HK$48,536
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,504/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,895
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,180
−HK$1,303/mo
Today · 4.125%
HK$50,483
baseline
▲ 0.50% · 4.625%
HK$53,144
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,966/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,353
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,075
−HK$1,749/mo
Today · 4.125%
HK$58,824
baseline
▲ 0.50% · 4.625%
HK$62,403
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,648/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,728 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,580
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,231
−HK$1,676/mo
Today · 4.125%
HK$64,907
baseline
▲ 0.50% · 4.625%
HK$68,328
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,814/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,728 · Scale 2, in force from 26 Feb 2026)