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$31,544
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,525
−HK$997/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,562
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,092
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,033
−HK$955/mo
Today · 4.125%
HK$36,988
baseline
▲ 0.50% · 4.625%
HK$38,938
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,976/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,853
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,030
−HK$1,196/mo
Today · 4.125%
HK$40,226
baseline
▲ 0.50% · 4.625%
HK$42,674
+HK$2,448/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,452/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,111
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,240
−HK$1,146/mo
Today · 4.125%
HK$44,386
baseline
▲ 0.50% · 4.625%
HK$46,725
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,772/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,161
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,535
−HK$1,396/mo
Today · 4.125%
HK$46,931
baseline
▲ 0.50% · 4.625%
HK$49,786
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,862/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,129
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,447
−HK$1,336/mo
Today · 4.125%
HK$51,783
baseline
▲ 0.50% · 4.625%
HK$54,513
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,566/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,779
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,545
−HK$1,794/mo
Today · 4.125%
HK$60,339
baseline
▲ 0.50% · 4.625%
HK$64,011
+HK$3,672/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,678/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,166
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,860
−HK$1,719/mo
Today · 4.125%
HK$66,579
baseline
▲ 0.50% · 4.625%
HK$70,088
+HK$3,509/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,158/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,755 · Scale 2, in force from 26 Feb 2026)