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$30,743
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,699
−HK$972/mo
Today · 4.125%
HK$32,671
baseline
▲ 0.50% · 4.625%
HK$34,659
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,342/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,201
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,118
−HK$931/mo
Today · 4.125%
HK$36,049
baseline
▲ 0.50% · 4.625%
HK$37,949
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,098/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,891
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,039
−HK$1,166/mo
Today · 4.125%
HK$39,205
baseline
▲ 0.50% · 4.625%
HK$41,590
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,410/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,041
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,142
−HK$1,117/mo
Today · 4.125%
HK$43,259
baseline
▲ 0.50% · 4.625%
HK$45,539
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,518/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,040
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,379
−HK$1,360/mo
Today · 4.125%
HK$45,739
baseline
▲ 0.50% · 4.625%
HK$48,522
+HK$2,783/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$91,478/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,882
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,166
−HK$1,302/mo
Today · 4.125%
HK$50,468
baseline
▲ 0.50% · 4.625%
HK$53,129
+HK$2,661/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$100,936/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,337
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,058
−HK$1,749/mo
Today · 4.125%
HK$58,807
baseline
▲ 0.50% · 4.625%
HK$62,386
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,614/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,583 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,562
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,213
−HK$1,675/mo
Today · 4.125%
HK$64,888
baseline
▲ 0.50% · 4.625%
HK$68,308
+HK$3,420/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,776/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,583 · Scale 2, in force from 26 Feb 2026)