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$31,506
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,486
−HK$996/mo
Today · 4.125%
HK$33,482
baseline
▲ 0.50% · 4.625%
HK$35,519
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,964/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,050
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,990
−HK$954/mo
Today · 4.125%
HK$36,944
baseline
▲ 0.50% · 4.625%
HK$38,891
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,888/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,807
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,984
−HK$1,194/mo
Today · 4.125%
HK$40,178
baseline
▲ 0.50% · 4.625%
HK$42,623
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,356/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,060
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,188
−HK$1,145/mo
Today · 4.125%
HK$44,333
baseline
▲ 0.50% · 4.625%
HK$46,670
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,666/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,109
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,481
−HK$1,394/mo
Today · 4.125%
HK$46,875
baseline
▲ 0.50% · 4.625%
HK$49,727
+HK$2,852/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,750/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,071
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,387
−HK$1,335/mo
Today · 4.125%
HK$51,722
baseline
▲ 0.50% · 4.625%
HK$54,448
+HK$2,726/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,444/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,711
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,475
−HK$1,793/mo
Today · 4.125%
HK$60,268
baseline
▲ 0.50% · 4.625%
HK$63,935
+HK$3,667/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,536/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,091
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,783
−HK$1,716/mo
Today · 4.125%
HK$66,499
baseline
▲ 0.50% · 4.625%
HK$70,005
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$132,998/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,137 · Scale 2, in force from 26 Feb 2026)