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$30,723
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,679
−HK$971/mo
Today · 4.125%
HK$32,650
baseline
▲ 0.50% · 4.625%
HK$34,637
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,300/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,179
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,096
−HK$930/mo
Today · 4.125%
HK$36,026
baseline
▲ 0.50% · 4.625%
HK$37,925
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,052/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,868
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,015
−HK$1,165/mo
Today · 4.125%
HK$39,180
baseline
▲ 0.50% · 4.625%
HK$41,564
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,360/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,015
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,115
−HK$1,116/mo
Today · 4.125%
HK$43,231
baseline
▲ 0.50% · 4.625%
HK$45,510
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,462/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,013
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,351
−HK$1,359/mo
Today · 4.125%
HK$45,710
baseline
▲ 0.50% · 4.625%
HK$48,491
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,420/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,851
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,135
−HK$1,302/mo
Today · 4.125%
HK$50,437
baseline
▲ 0.50% · 4.625%
HK$53,095
+HK$2,658/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,874/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,302
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,022
−HK$1,748/mo
Today · 4.125%
HK$58,770
baseline
▲ 0.50% · 4.625%
HK$62,346
+HK$3,576/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,540/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,523
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,173
−HK$1,674/mo
Today · 4.125%
HK$64,847
baseline
▲ 0.50% · 4.625%
HK$68,265
+HK$3,418/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,694/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,263 · Scale 2, in force from 26 Feb 2026)