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$30,724
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,680
−HK$971/mo
Today · 4.125%
HK$32,651
baseline
▲ 0.50% · 4.625%
HK$34,638
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,302/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,181
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,097
−HK$930/mo
Today · 4.125%
HK$36,027
baseline
▲ 0.50% · 4.625%
HK$37,926
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,054/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,869
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,016
−HK$1,165/mo
Today · 4.125%
HK$39,181
baseline
▲ 0.50% · 4.625%
HK$41,565
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,362/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,017
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,117
−HK$1,116/mo
Today · 4.125%
HK$43,233
baseline
▲ 0.50% · 4.625%
HK$45,512
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,466/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,014
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,352
−HK$1,360/mo
Today · 4.125%
HK$45,712
baseline
▲ 0.50% · 4.625%
HK$48,493
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,424/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,853
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$49,136
−HK$1,302/mo
Today · 4.125%
HK$50,438
baseline
▲ 0.50% · 4.625%
HK$53,097
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,876/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,304
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$57,024
−HK$1,748/mo
Today · 4.125%
HK$58,772
baseline
▲ 0.50% · 4.625%
HK$62,348
+HK$3,576/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,544/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,525
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,175
−HK$1,674/mo
Today · 4.125%
HK$64,849
baseline
▲ 0.50% · 4.625%
HK$68,267
+HK$3,418/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,698/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,279 · Scale 2, in force from 26 Feb 2026)