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$31,495
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,474
−HK$996/mo
Today · 4.125%
HK$33,470
baseline
▲ 0.50% · 4.625%
HK$35,506
+HK$2,036/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,940/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,038
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,977
−HK$954/mo
Today · 4.125%
HK$36,931
baseline
▲ 0.50% · 4.625%
HK$38,877
+HK$1,946/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,862/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,794
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,969
−HK$1,195/mo
Today · 4.125%
HK$40,164
baseline
▲ 0.50% · 4.625%
HK$42,608
+HK$2,444/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,328/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,045
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,173
−HK$1,144/mo
Today · 4.125%
HK$44,317
baseline
▲ 0.50% · 4.625%
HK$46,653
+HK$2,336/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,634/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,093
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,464
−HK$1,394/mo
Today · 4.125%
HK$46,858
baseline
▲ 0.50% · 4.625%
HK$49,709
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,716/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,053
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,368
−HK$1,335/mo
Today · 4.125%
HK$51,703
baseline
▲ 0.50% · 4.625%
HK$54,428
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,406/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,691
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,454
−HK$1,792/mo
Today · 4.125%
HK$60,246
baseline
▲ 0.50% · 4.625%
HK$63,911
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,492/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,948 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,068
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,759
−HK$1,716/mo
Today · 4.125%
HK$66,475
baseline
▲ 0.50% · 4.625%
HK$69,979
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,950/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,948 · Scale 2, in force from 26 Feb 2026)