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$30,734
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,690
−HK$971/mo
Today · 4.125%
HK$32,661
baseline
▲ 0.50% · 4.625%
HK$34,649
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,322/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,191
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,108
−HK$930/mo
Today · 4.125%
HK$36,038
baseline
▲ 0.50% · 4.625%
HK$37,938
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,076/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,881
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,028
−HK$1,166/mo
Today · 4.125%
HK$39,194
baseline
▲ 0.50% · 4.625%
HK$41,578
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,388/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,029
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,116/mo
Today · 4.125%
HK$43,246
baseline
▲ 0.50% · 4.625%
HK$45,526
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,492/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,028
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,366
−HK$1,360/mo
Today · 4.125%
HK$45,726
baseline
▲ 0.50% · 4.625%
HK$48,508
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,452/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,868
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,151
−HK$1,303/mo
Today · 4.125%
HK$50,454
baseline
▲ 0.50% · 4.625%
HK$53,113
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,908/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,321
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,042
−HK$1,748/mo
Today · 4.125%
HK$58,790
baseline
▲ 0.50% · 4.625%
HK$62,367
+HK$3,577/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,580/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,544
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,195
−HK$1,674/mo
Today · 4.125%
HK$64,869
baseline
▲ 0.50% · 4.625%
HK$68,289
+HK$3,420/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,738/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,436 · Scale 2, in force from 26 Feb 2026)