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$30,750
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,706
−HK$972/mo
Today · 4.125%
HK$32,678
baseline
▲ 0.50% · 4.625%
HK$34,667
+HK$1,989/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,356/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,209
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,126
−HK$931/mo
Today · 4.125%
HK$36,057
baseline
▲ 0.50% · 4.625%
HK$37,958
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,114/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,900
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,048
−HK$1,166/mo
Today · 4.125%
HK$39,214
baseline
▲ 0.50% · 4.625%
HK$41,600
+HK$2,386/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,428/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,051
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,152
−HK$1,117/mo
Today · 4.125%
HK$43,269
baseline
▲ 0.50% · 4.625%
HK$45,549
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,538/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,050
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,389
−HK$1,360/mo
Today · 4.125%
HK$45,749
baseline
▲ 0.50% · 4.625%
HK$48,533
+HK$2,784/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$91,498/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,892
−HK$2,588/mo
▼ 0.25% · 3.875%
HK$49,177
−HK$1,303/mo
Today · 4.125%
HK$50,480
baseline
▲ 0.50% · 4.625%
HK$53,141
+HK$2,661/mo
Deposit HK$4.05M · loan HK$9.44M · min. income ≈ HK$100,960/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,350
−HK$3,471/mo
▼ 0.25% · 3.875%
HK$57,071
−HK$1,750/mo
Today · 4.125%
HK$58,821
baseline
▲ 0.50% · 4.625%
HK$62,400
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$117,642/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,576
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,227
−HK$1,676/mo
Today · 4.125%
HK$64,903
baseline
▲ 0.50% · 4.625%
HK$68,324
+HK$3,421/mo
Deposit HK$1.35M · loan HK$12.14M · min. income ≈ HK$129,806/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,698 · Scale 2, in force from 26 Feb 2026)