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$31,520
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,500
−HK$996/mo
Today · 4.125%
HK$33,496
baseline
▲ 0.50% · 4.625%
HK$35,534
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,992/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,065
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,006
−HK$954/mo
Today · 4.125%
HK$36,960
baseline
▲ 0.50% · 4.625%
HK$38,908
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,920/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,823
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,000
−HK$1,195/mo
Today · 4.125%
HK$40,195
baseline
▲ 0.50% · 4.625%
HK$42,641
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,390/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,078
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,207
−HK$1,145/mo
Today · 4.125%
HK$44,352
baseline
▲ 0.50% · 4.625%
HK$46,689
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,704/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,127
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,500
−HK$1,395/mo
Today · 4.125%
HK$46,895
baseline
▲ 0.50% · 4.625%
HK$49,748
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,790/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,091
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,408
−HK$1,335/mo
Today · 4.125%
HK$51,743
baseline
▲ 0.50% · 4.625%
HK$54,471
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,486/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,735
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,500
−HK$1,793/mo
Today · 4.125%
HK$60,293
baseline
▲ 0.50% · 4.625%
HK$63,962
+HK$3,669/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,586/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,117
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,810
−HK$1,717/mo
Today · 4.125%
HK$66,527
baseline
▲ 0.50% · 4.625%
HK$70,034
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,054/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,355 · Scale 2, in force from 26 Feb 2026)