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$30,736
−HK$1,927/mo
▼ 0.25% · 3.875%
HK$31,692
−HK$971/mo
Today · 4.125%
HK$32,663
baseline
▲ 0.50% · 4.625%
HK$34,650
+HK$1,987/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$65,326/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,193
−HK$1,847/mo
▼ 0.25% · 3.875%
HK$35,110
−HK$930/mo
Today · 4.125%
HK$36,040
baseline
▲ 0.50% · 4.625%
HK$37,940
+HK$1,900/mo
Deposit HK$6.74M · loan HK$6.74M · min. income ≈ HK$72,080/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,883
−HK$2,313/mo
▼ 0.25% · 3.875%
HK$38,030
−HK$1,166/mo
Today · 4.125%
HK$39,196
baseline
▲ 0.50% · 4.625%
HK$41,581
+HK$2,385/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$78,392/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,032
−HK$2,217/mo
▼ 0.25% · 3.875%
HK$42,132
−HK$1,117/mo
Today · 4.125%
HK$43,249
baseline
▲ 0.50% · 4.625%
HK$45,528
+HK$2,279/mo
Deposit HK$5.39M · loan HK$8.09M · min. income ≈ HK$86,498/mo (50% DSR)
Upfront cash ≈ HK$5.90M (deposit + AVD stamp duty HK$505,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,030
−HK$2,698/mo
▼ 0.25% · 3.875%
HK$44,368
−HK$1,360/mo
Today · 4.125%
HK$45,728
baseline
▲ 0.50% · 4.625%
HK$48,511
+HK$2,783/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$91,456/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,870
−HK$2,587/mo
▼ 0.25% · 3.875%
HK$49,154
−HK$1,303/mo
Today · 4.125%
HK$50,457
baseline
▲ 0.50% · 4.625%
HK$53,116
+HK$2,659/mo
Deposit HK$4.04M · loan HK$9.44M · min. income ≈ HK$100,914/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,324
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$57,045
−HK$1,748/mo
Today · 4.125%
HK$58,793
baseline
▲ 0.50% · 4.625%
HK$62,371
+HK$3,578/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$117,586/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,548
−HK$3,325/mo
▼ 0.25% · 3.875%
HK$63,198
−HK$1,675/mo
Today · 4.125%
HK$64,873
baseline
▲ 0.50% · 4.625%
HK$68,292
+HK$3,419/mo
Deposit HK$1.35M · loan HK$12.13M · min. income ≈ HK$129,746/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,464 · Scale 2, in force from 26 Feb 2026)