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$31,505
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,485
−HK$996/mo
Today · 4.125%
HK$33,481
baseline
▲ 0.50% · 4.625%
HK$35,518
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,962/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,049
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,989
−HK$954/mo
Today · 4.125%
HK$36,943
baseline
▲ 0.50% · 4.625%
HK$38,890
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,886/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,806
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,982
−HK$1,195/mo
Today · 4.125%
HK$40,177
baseline
▲ 0.50% · 4.625%
HK$42,622
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,354/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,059
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,187
−HK$1,144/mo
Today · 4.125%
HK$44,331
baseline
▲ 0.50% · 4.625%
HK$46,668
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,662/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,107
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,479
−HK$1,394/mo
Today · 4.125%
HK$46,873
baseline
▲ 0.50% · 4.625%
HK$49,725
+HK$2,852/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,746/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,069
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,385
−HK$1,335/mo
Today · 4.125%
HK$51,720
baseline
▲ 0.50% · 4.625%
HK$54,446
+HK$2,726/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,440/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,709
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,473
−HK$1,792/mo
Today · 4.125%
HK$60,265
baseline
▲ 0.50% · 4.625%
HK$63,932
+HK$3,667/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,530/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,119 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,088
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,780
−HK$1,717/mo
Today · 4.125%
HK$66,497
baseline
▲ 0.50% · 4.625%
HK$70,002
+HK$3,505/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,994/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,119 · Scale 2, in force from 26 Feb 2026)