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$30,749
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$971/mo
Today · 4.125%
HK$32,677
baseline
▲ 0.50% · 4.625%
HK$34,666
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,354/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,208
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,126
−HK$930/mo
Today · 4.125%
HK$36,056
baseline
▲ 0.50% · 4.625%
HK$37,957
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,112/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,899
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,047
−HK$1,166/mo
Today · 4.125%
HK$39,213
baseline
▲ 0.50% · 4.625%
HK$41,599
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,426/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,050
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,151
−HK$1,116/mo
Today · 4.125%
HK$43,267
baseline
▲ 0.50% · 4.625%
HK$45,548
+HK$2,281/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,534/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,049
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,388
−HK$1,360/mo
Today · 4.125%
HK$45,748
baseline
▲ 0.50% · 4.625%
HK$48,532
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,496/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,891
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,176
−HK$1,303/mo
Today · 4.125%
HK$50,479
baseline
▲ 0.50% · 4.625%
HK$53,140
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,958/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,348
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,070
−HK$1,749/mo
Today · 4.125%
HK$58,819
baseline
▲ 0.50% · 4.625%
HK$62,398
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,638/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,575
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,226
−HK$1,675/mo
Today · 4.125%
HK$64,901
baseline
▲ 0.50% · 4.625%
HK$68,322
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,802/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,685 · Scale 2, in force from 26 Feb 2026)