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$31,509
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,489
−HK$996/mo
Today · 4.125%
HK$33,485
baseline
▲ 0.50% · 4.625%
HK$35,523
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,970/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,054
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,994
−HK$953/mo
Today · 4.125%
HK$36,947
baseline
▲ 0.50% · 4.625%
HK$38,895
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,894/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,811
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,987
−HK$1,195/mo
Today · 4.125%
HK$40,182
baseline
▲ 0.50% · 4.625%
HK$42,627
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,364/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,064
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,193
−HK$1,144/mo
Today · 4.125%
HK$44,337
baseline
▲ 0.50% · 4.625%
HK$46,674
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,674/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,113
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,485
−HK$1,394/mo
Today · 4.125%
HK$46,879
baseline
▲ 0.50% · 4.625%
HK$49,732
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,758/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,075
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,391
−HK$1,335/mo
Today · 4.125%
HK$51,726
baseline
▲ 0.50% · 4.625%
HK$54,453
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,452/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,717
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,481
−HK$1,792/mo
Today · 4.125%
HK$60,273
baseline
▲ 0.50% · 4.625%
HK$63,941
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,546/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,097
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,789
−HK$1,716/mo
Today · 4.125%
HK$66,505
baseline
▲ 0.50% · 4.625%
HK$70,011
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,010/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,185 · Scale 2, in force from 26 Feb 2026)