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$30,725
−HK$1,926/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$505,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,181
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,098
−HK$930/mo
Today · 4.125%
HK$36,028
baseline
▲ 0.50% · 4.625%
HK$37,927
+HK$1,899/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,056/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,870
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,017
−HK$1,165/mo
Today · 4.125%
HK$39,182
baseline
▲ 0.50% · 4.625%
HK$41,566
+HK$2,384/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,364/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,284 · 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$505,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,015
−HK$2,697/mo
▼ 0.25% · 3.875%
HK$44,353
−HK$1,359/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$505,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,853
−HK$2,586/mo
▼ 0.25% · 3.875%
HK$49,137
−HK$1,302/mo
Today · 4.125%
HK$50,439
baseline
▲ 0.50% · 4.625%
HK$53,097
+HK$2,658/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,878/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,304
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,025
−HK$1,748/mo
Today · 4.125%
HK$58,773
baseline
▲ 0.50% · 4.625%
HK$62,349
+HK$3,576/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,546/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,284 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,526
−HK$3,324/mo
▼ 0.25% · 3.875%
HK$63,176
−HK$1,674/mo
Today · 4.125%
HK$64,850
baseline
▲ 0.50% · 4.625%
HK$68,268
+HK$3,418/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,700/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,284 · Scale 2, in force from 26 Feb 2026)