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$31,504
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,484
−HK$996/mo
Today · 4.125%
HK$33,480
baseline
▲ 0.50% · 4.625%
HK$35,517
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,960/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,048
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,988
−HK$953/mo
Today · 4.125%
HK$36,941
baseline
▲ 0.50% · 4.625%
HK$38,889
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,882/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,805
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,981
−HK$1,195/mo
Today · 4.125%
HK$40,176
baseline
▲ 0.50% · 4.625%
HK$42,620
+HK$2,444/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,352/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,058
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,186
−HK$1,144/mo
Today · 4.125%
HK$44,330
baseline
▲ 0.50% · 4.625%
HK$46,666
+HK$2,336/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,660/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,106
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,478
−HK$1,393/mo
Today · 4.125%
HK$46,871
baseline
▲ 0.50% · 4.625%
HK$49,724
+HK$2,853/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,742/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,067
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,383
−HK$1,335/mo
Today · 4.125%
HK$51,718
baseline
▲ 0.50% · 4.625%
HK$54,444
+HK$2,726/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,436/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,707
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,471
−HK$1,792/mo
Today · 4.125%
HK$60,263
baseline
▲ 0.50% · 4.625%
HK$63,930
+HK$3,667/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,526/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,086
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,778
−HK$1,717/mo
Today · 4.125%
HK$66,495
baseline
▲ 0.50% · 4.625%
HK$70,000
+HK$3,505/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,990/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,101 · Scale 2, in force from 26 Feb 2026)