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$30,737
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,693
−HK$972/mo
Today · 4.125%
HK$32,665
baseline
▲ 0.50% · 4.625%
HK$34,652
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,330/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,195
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,112
−HK$930/mo
Today · 4.125%
HK$36,042
baseline
▲ 0.50% · 4.625%
HK$37,942
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,084/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,885
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,032
−HK$1,166/mo
Today · 4.125%
HK$39,198
baseline
▲ 0.50% · 4.625%
HK$41,583
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,396/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,034
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,134
−HK$1,117/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,531
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,032
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,371
−HK$1,360/mo
Today · 4.125%
HK$45,731
baseline
▲ 0.50% · 4.625%
HK$48,513
+HK$2,782/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$91,462/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,873
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,157
−HK$1,302/mo
Today · 4.125%
HK$50,459
baseline
▲ 0.50% · 4.625%
HK$53,119
+HK$2,660/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$100,918/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,327
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,048
−HK$1,749/mo
Today · 4.125%
HK$58,797
baseline
▲ 0.50% · 4.625%
HK$62,374
+HK$3,577/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,594/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,491 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,551
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,202
−HK$1,674/mo
Today · 4.125%
HK$64,876
baseline
▲ 0.50% · 4.625%
HK$68,296
+HK$3,420/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,752/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,491 · Scale 2, in force from 26 Feb 2026)