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$31,548
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,529
−HK$997/mo
Today · 4.125%
HK$33,526
baseline
▲ 0.50% · 4.625%
HK$35,566
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,052/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,096
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,038
−HK$955/mo
Today · 4.125%
HK$36,993
baseline
▲ 0.50% · 4.625%
HK$38,942
+HK$1,949/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,986/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,857
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,035
−HK$1,196/mo
Today · 4.125%
HK$40,231
baseline
▲ 0.50% · 4.625%
HK$42,679
+HK$2,448/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,462/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,116
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,245
−HK$1,146/mo
Today · 4.125%
HK$44,391
baseline
▲ 0.50% · 4.625%
HK$46,731
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,782/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,167
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,540
−HK$1,396/mo
Today · 4.125%
HK$46,936
baseline
▲ 0.50% · 4.625%
HK$49,792
+HK$2,856/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,872/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,135
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,453
−HK$1,337/mo
Today · 4.125%
HK$51,790
baseline
▲ 0.50% · 4.625%
HK$54,519
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,580/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,786
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,552
−HK$1,795/mo
Today · 4.125%
HK$60,347
baseline
▲ 0.50% · 4.625%
HK$64,019
+HK$3,672/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,694/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,173
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,868
−HK$1,719/mo
Today · 4.125%
HK$66,587
baseline
▲ 0.50% · 4.625%
HK$70,096
+HK$3,509/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,174/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,817 · Scale 2, in force from 26 Feb 2026)