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$31,521
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,501
−HK$996/mo
Today · 4.125%
HK$33,497
baseline
▲ 0.50% · 4.625%
HK$35,536
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,994/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,067
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,007
−HK$954/mo
Today · 4.125%
HK$36,961
baseline
▲ 0.50% · 4.625%
HK$38,909
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,922/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,825
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,002
−HK$1,195/mo
Today · 4.125%
HK$40,197
baseline
▲ 0.50% · 4.625%
HK$42,643
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,394/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,080
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,209
−HK$1,144/mo
Today · 4.125%
HK$44,353
baseline
▲ 0.50% · 4.625%
HK$46,691
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,706/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,129
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,502
−HK$1,394/mo
Today · 4.125%
HK$46,896
baseline
▲ 0.50% · 4.625%
HK$49,750
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,792/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,093
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,410
−HK$1,336/mo
Today · 4.125%
HK$51,746
baseline
▲ 0.50% · 4.625%
HK$54,473
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,492/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,738
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,502
−HK$1,793/mo
Today · 4.125%
HK$60,295
baseline
▲ 0.50% · 4.625%
HK$63,964
+HK$3,669/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,590/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,120
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,813
−HK$1,717/mo
Today · 4.125%
HK$66,530
baseline
▲ 0.50% · 4.625%
HK$70,037
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,060/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,377 · Scale 2, in force from 26 Feb 2026)