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$31,533
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,514
−HK$996/mo
Today · 4.125%
HK$33,510
baseline
▲ 0.50% · 4.625%
HK$35,550
+HK$2,040/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,020/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,080
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,021
−HK$955/mo
Today · 4.125%
HK$36,976
baseline
▲ 0.50% · 4.625%
HK$38,925
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,952/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,840
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,017
−HK$1,196/mo
Today · 4.125%
HK$40,213
baseline
▲ 0.50% · 4.625%
HK$42,659
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,426/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,096
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,225
−HK$1,146/mo
Today · 4.125%
HK$44,371
baseline
▲ 0.50% · 4.625%
HK$46,709
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,742/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,146
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,520
−HK$1,395/mo
Today · 4.125%
HK$46,915
baseline
▲ 0.50% · 4.625%
HK$49,769
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,830/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,112
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,430
−HK$1,336/mo
Today · 4.125%
HK$51,766
baseline
▲ 0.50% · 4.625%
HK$54,494
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,532/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,760
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,525
−HK$1,794/mo
Today · 4.125%
HK$60,319
baseline
▲ 0.50% · 4.625%
HK$63,989
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,638/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,144
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,838
−HK$1,718/mo
Today · 4.125%
HK$66,556
baseline
▲ 0.50% · 4.625%
HK$70,064
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,112/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,578 · Scale 2, in force from 26 Feb 2026)