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$31,515
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,495
−HK$996/mo
Today · 4.125%
HK$33,491
baseline
▲ 0.50% · 4.625%
HK$35,529
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,982/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,060
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,000
−HK$954/mo
Today · 4.125%
HK$36,954
baseline
▲ 0.50% · 4.625%
HK$38,902
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,908/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,817
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,994
−HK$1,195/mo
Today · 4.125%
HK$40,189
baseline
▲ 0.50% · 4.625%
HK$42,634
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,378/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,071
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,200
−HK$1,144/mo
Today · 4.125%
HK$44,344
baseline
▲ 0.50% · 4.625%
HK$46,682
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,688/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,120
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,493
−HK$1,394/mo
Today · 4.125%
HK$46,887
baseline
▲ 0.50% · 4.625%
HK$49,740
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,774/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,083
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,400
−HK$1,335/mo
Today · 4.125%
HK$51,735
baseline
▲ 0.50% · 4.625%
HK$54,462
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,470/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,726
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,491
−HK$1,792/mo
Today · 4.125%
HK$60,283
baseline
▲ 0.50% · 4.625%
HK$63,951
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,566/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,107
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,800
−HK$1,717/mo
Today · 4.125%
HK$66,517
baseline
▲ 0.50% · 4.625%
HK$70,023
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,034/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,273 · Scale 2, in force from 26 Feb 2026)