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$30,728
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,684
−HK$971/mo
Today · 4.125%
HK$32,655
baseline
▲ 0.50% · 4.625%
HK$34,642
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,310/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,185
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,102
−HK$930/mo
Today · 4.125%
HK$36,032
baseline
▲ 0.50% · 4.625%
HK$37,931
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,064/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,874
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,021
−HK$1,165/mo
Today · 4.125%
HK$39,186
baseline
▲ 0.50% · 4.625%
HK$41,571
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,372/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,022
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,122
−HK$1,116/mo
Today · 4.125%
HK$43,238
baseline
▲ 0.50% · 4.625%
HK$45,518
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,476/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,020
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,358
−HK$1,360/mo
Today · 4.125%
HK$45,718
baseline
▲ 0.50% · 4.625%
HK$48,499
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,436/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,859
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,143
−HK$1,302/mo
Today · 4.125%
HK$50,445
baseline
▲ 0.50% · 4.625%
HK$53,104
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,890/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,311
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,032
−HK$1,748/mo
Today · 4.125%
HK$58,780
baseline
▲ 0.50% · 4.625%
HK$62,356
+HK$3,576/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,560/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,533
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,183
−HK$1,675/mo
Today · 4.125%
HK$64,858
baseline
▲ 0.50% · 4.625%
HK$68,276
+HK$3,418/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,716/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,346 · Scale 2, in force from 26 Feb 2026)