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$30,714
−HK$1,926/mo
▼ 0.25% · 3.875%
HK$31,669
−HK$971/mo
Today · 4.125%
HK$32,640
baseline
▲ 0.50% · 4.625%
HK$34,626
+HK$1,986/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$65,280/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,169
−HK$1,846/mo
▼ 0.25% · 3.875%
HK$35,085
−HK$930/mo
Today · 4.125%
HK$36,015
baseline
▲ 0.50% · 4.625%
HK$37,913
+HK$1,898/mo
Deposit HK$6.73M · loan HK$6.73M · min. income ≈ HK$72,030/mo (50% DSR)
Upfront cash ≈ HK$7.24M (deposit + AVD stamp duty HK$505,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,856
−HK$2,312/mo
▼ 0.25% · 3.875%
HK$38,003
−HK$1,165/mo
Today · 4.125%
HK$39,168
baseline
▲ 0.50% · 4.625%
HK$41,551
+HK$2,383/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$78,336/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,002
−HK$2,216/mo
▼ 0.25% · 3.875%
HK$42,102
−HK$1,116/mo
Today · 4.125%
HK$43,218
baseline
▲ 0.50% · 4.625%
HK$45,496
+HK$2,278/mo
Deposit HK$5.39M · loan HK$8.08M · min. income ≈ HK$86,436/mo (50% DSR)
Upfront cash ≈ HK$5.89M (deposit + AVD stamp duty HK$505,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,999
−HK$2,696/mo
▼ 0.25% · 3.875%
HK$44,337
−HK$1,358/mo
Today · 4.125%
HK$45,695
baseline
▲ 0.50% · 4.625%
HK$48,476
+HK$2,781/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$91,390/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$47,836
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$49,119
−HK$1,301/mo
Today · 4.125%
HK$50,420
baseline
▲ 0.50% · 4.625%
HK$53,078
+HK$2,658/mo
Deposit HK$4.04M · loan HK$9.43M · min. income ≈ HK$100,840/mo (50% DSR)
Upfront cash ≈ HK$4.55M (deposit + AVD stamp duty HK$505,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,284
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$57,004
−HK$1,747/mo
Today · 4.125%
HK$58,751
baseline
▲ 0.50% · 4.625%
HK$62,326
+HK$3,575/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$117,502/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,503
−HK$3,323/mo
▼ 0.25% · 3.875%
HK$63,153
−HK$1,673/mo
Today · 4.125%
HK$64,826
baseline
▲ 0.50% · 4.625%
HK$68,243
+HK$3,417/mo
Deposit HK$1.35M · loan HK$12.12M · min. income ≈ HK$129,652/mo (50% DSR)
Upfront cash ≈ HK$1.85M (deposit + AVD stamp duty HK$505,102 · Scale 2, in force from 26 Feb 2026)