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$30,745
−HK$1,928/mo
▼ 0.25% · 3.875%
HK$31,701
−HK$972/mo
Today · 4.125%
HK$32,673
baseline
▲ 0.50% · 4.625%
HK$34,661
+HK$1,988/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,346/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,204
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,121
−HK$930/mo
Today · 4.125%
HK$36,051
baseline
▲ 0.50% · 4.625%
HK$37,952
+HK$1,901/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,102/mo (50% DSR)
Upfront cash ≈ HK$7.25M (deposit + AVD stamp duty HK$505,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,894
−HK$2,314/mo
▼ 0.25% · 3.875%
HK$38,042
−HK$1,166/mo
Today · 4.125%
HK$39,208
baseline
▲ 0.50% · 4.625%
HK$41,593
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,416/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,044
−HK$2,218/mo
▼ 0.25% · 3.875%
HK$42,145
−HK$1,117/mo
Today · 4.125%
HK$43,262
baseline
▲ 0.50% · 4.625%
HK$45,542
+HK$2,280/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,524/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,043
−HK$2,699/mo
▼ 0.25% · 3.875%
HK$44,382
−HK$1,360/mo
Today · 4.125%
HK$45,742
baseline
▲ 0.50% · 4.625%
HK$48,526
+HK$2,784/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$91,484/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,885
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,169
−HK$1,303/mo
Today · 4.125%
HK$50,472
baseline
▲ 0.50% · 4.625%
HK$53,132
+HK$2,660/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$100,944/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,341
−HK$3,470/mo
▼ 0.25% · 3.875%
HK$57,062
−HK$1,749/mo
Today · 4.125%
HK$58,811
baseline
▲ 0.50% · 4.625%
HK$62,390
+HK$3,579/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,622/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,566
−HK$3,327/mo
▼ 0.25% · 3.875%
HK$63,218
−HK$1,675/mo
Today · 4.125%
HK$64,893
baseline
▲ 0.50% · 4.625%
HK$68,313
+HK$3,420/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,786/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,619 · Scale 2, in force from 26 Feb 2026)