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$30,711
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,666
−HK$971/mo
Today · 4.125%
HK$32,637
baseline
▲ 0.50% · 4.625%
HK$34,623
+HK$1,986/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,274/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,166
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,082
−HK$930/mo
Today · 4.125%
HK$36,012
baseline
▲ 0.50% · 4.625%
HK$37,910
+HK$1,898/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,024/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,853
−HK$2,311/mo
▼ 0.25% · 3.875%
HK$38,000
−HK$1,164/mo
Today · 4.125%
HK$39,164
baseline
▲ 0.50% · 4.625%
HK$41,547
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,328/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,999
−HK$2,215/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,116/mo
Today · 4.125%
HK$43,214
baseline
▲ 0.50% · 4.625%
HK$45,492
+HK$2,278/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,428/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,995
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,333
−HK$1,359/mo
Today · 4.125%
HK$45,692
baseline
▲ 0.50% · 4.625%
HK$48,472
+HK$2,780/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,384/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,832
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,115
−HK$1,301/mo
Today · 4.125%
HK$50,416
baseline
▲ 0.50% · 4.625%
HK$53,074
+HK$2,658/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,832/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,280
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$56,999
−HK$1,747/mo
Today · 4.125%
HK$58,746
baseline
▲ 0.50% · 4.625%
HK$62,321
+HK$3,575/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,492/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,059 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,498
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,148
−HK$1,673/mo
Today · 4.125%
HK$64,821
baseline
▲ 0.50% · 4.625%
HK$68,238
+HK$3,417/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,642/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,059 · Scale 2, in force from 26 Feb 2026)