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$31,500
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,479
−HK$996/mo
Today · 4.125%
HK$33,475
baseline
▲ 0.50% · 4.625%
HK$35,512
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,950/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,043
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,983
−HK$953/mo
Today · 4.125%
HK$36,936
baseline
▲ 0.50% · 4.625%
HK$38,883
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,872/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,799
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,975
−HK$1,195/mo
Today · 4.125%
HK$40,170
baseline
▲ 0.50% · 4.625%
HK$42,614
+HK$2,444/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,340/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,051
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,179
−HK$1,144/mo
Today · 4.125%
HK$44,323
baseline
▲ 0.50% · 4.625%
HK$46,660
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,646/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,099
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,471
−HK$1,394/mo
Today · 4.125%
HK$46,865
baseline
▲ 0.50% · 4.625%
HK$49,716
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,730/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,060
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,376
−HK$1,335/mo
Today · 4.125%
HK$51,711
baseline
▲ 0.50% · 4.625%
HK$54,436
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,422/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,699
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,463
−HK$1,792/mo
Today · 4.125%
HK$60,255
baseline
▲ 0.50% · 4.625%
HK$63,921
+HK$3,666/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,510/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,026 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,077
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,769
−HK$1,716/mo
Today · 4.125%
HK$66,485
baseline
▲ 0.50% · 4.625%
HK$69,990
+HK$3,505/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,970/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,026 · Scale 2, in force from 26 Feb 2026)