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$30,741
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,697
−HK$972/mo
Today · 4.125%
HK$32,669
baseline
▲ 0.50% · 4.625%
HK$34,657
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,338/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,199
−HK$1,848/mo
▼ 0.25% · 3.875%
HK$35,116
−HK$931/mo
Today · 4.125%
HK$36,047
baseline
▲ 0.50% · 4.625%
HK$37,947
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,094/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,889
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,037
−HK$1,166/mo
Today · 4.125%
HK$39,203
baseline
▲ 0.50% · 4.625%
HK$41,588
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,406/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,039
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,140
−HK$1,116/mo
Today · 4.125%
HK$43,256
baseline
▲ 0.50% · 4.625%
HK$45,536
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,512/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,038
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,376
−HK$1,360/mo
Today · 4.125%
HK$45,736
baseline
▲ 0.50% · 4.625%
HK$48,519
+HK$2,783/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$91,472/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,879
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,163
−HK$1,303/mo
Today · 4.125%
HK$50,466
baseline
▲ 0.50% · 4.625%
HK$53,126
+HK$2,660/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$100,932/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,334
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,055
−HK$1,749/mo
Today · 4.125%
HK$58,804
baseline
▲ 0.50% · 4.625%
HK$62,382
+HK$3,578/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,608/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,558
−HK$3,326/mo
▼ 0.25% · 3.875%
HK$63,209
−HK$1,675/mo
Today · 4.125%
HK$64,884
baseline
▲ 0.50% · 4.625%
HK$68,304
+HK$3,420/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,768/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,554 · Scale 2, in force from 26 Feb 2026)