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$31,517
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,498
−HK$996/mo
Today · 4.125%
HK$33,494
baseline
▲ 0.50% · 4.625%
HK$35,532
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,988/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,063
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,003
−HK$954/mo
Today · 4.125%
HK$36,957
baseline
▲ 0.50% · 4.625%
HK$38,905
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,914/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,821
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,997
−HK$1,196/mo
Today · 4.125%
HK$40,193
baseline
▲ 0.50% · 4.625%
HK$42,638
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,386/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,075
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,204
−HK$1,145/mo
Today · 4.125%
HK$44,349
baseline
▲ 0.50% · 4.625%
HK$46,686
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,698/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,124
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,497
−HK$1,394/mo
Today · 4.125%
HK$46,891
baseline
▲ 0.50% · 4.625%
HK$49,745
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,782/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,088
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,404
−HK$1,336/mo
Today · 4.125%
HK$51,740
baseline
▲ 0.50% · 4.625%
HK$54,467
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,480/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,731
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,496
−HK$1,793/mo
Today · 4.125%
HK$60,289
baseline
▲ 0.50% · 4.625%
HK$63,957
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,578/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,113
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,806
−HK$1,717/mo
Today · 4.125%
HK$66,523
baseline
▲ 0.50% · 4.625%
HK$70,029
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,046/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,320 · Scale 2, in force from 26 Feb 2026)