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$31,511
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,491
−HK$996/mo
Today · 4.125%
HK$33,487
baseline
▲ 0.50% · 4.625%
HK$35,525
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,974/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,056
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,996
−HK$954/mo
Today · 4.125%
HK$36,950
baseline
▲ 0.50% · 4.625%
HK$38,897
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,900/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,813
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,989
−HK$1,196/mo
Today · 4.125%
HK$40,185
baseline
▲ 0.50% · 4.625%
HK$42,630
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,370/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,067
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,195
−HK$1,145/mo
Today · 4.125%
HK$44,340
baseline
▲ 0.50% · 4.625%
HK$46,677
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,680/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,115
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,488
−HK$1,394/mo
Today · 4.125%
HK$46,882
baseline
▲ 0.50% · 4.625%
HK$49,735
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,764/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,078
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,394
−HK$1,336/mo
Today · 4.125%
HK$51,730
baseline
▲ 0.50% · 4.625%
HK$54,456
+HK$2,726/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,460/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,720
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,484
−HK$1,793/mo
Today · 4.125%
HK$60,277
baseline
▲ 0.50% · 4.625%
HK$63,944
+HK$3,667/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,554/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,100
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,793
−HK$1,716/mo
Today · 4.125%
HK$66,509
baseline
▲ 0.50% · 4.625%
HK$70,015
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,018/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,216 · Scale 2, in force from 26 Feb 2026)