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$30,718
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,674
−HK$971/mo
Today · 4.125%
HK$32,645
baseline
▲ 0.50% · 4.625%
HK$34,631
+HK$1,986/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,290/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,174
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,090
−HK$930/mo
Today · 4.125%
HK$36,020
baseline
▲ 0.50% · 4.625%
HK$37,919
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,040/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,862
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,009
−HK$1,165/mo
Today · 4.125%
HK$39,174
baseline
▲ 0.50% · 4.625%
HK$41,557
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,348/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,009
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,109
−HK$1,115/mo
Today · 4.125%
HK$43,224
baseline
▲ 0.50% · 4.625%
HK$45,503
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,448/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,006
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,344
−HK$1,359/mo
Today · 4.125%
HK$45,703
baseline
▲ 0.50% · 4.625%
HK$48,484
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,406/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,844
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,127
−HK$1,301/mo
Today · 4.125%
HK$50,428
baseline
▲ 0.50% · 4.625%
HK$53,087
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,856/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,293
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,013
−HK$1,748/mo
Today · 4.125%
HK$58,761
baseline
▲ 0.50% · 4.625%
HK$62,336
+HK$3,575/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,522/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,513
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,163
−HK$1,673/mo
Today · 4.125%
HK$64,836
baseline
▲ 0.50% · 4.625%
HK$68,254
+HK$3,418/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,672/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,181 · Scale 2, in force from 26 Feb 2026)