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$31,497
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$996/mo
Today · 4.125%
HK$33,473
baseline
▲ 0.50% · 4.625%
HK$35,509
+HK$2,036/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,946/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,041
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,980
−HK$954/mo
Today · 4.125%
HK$36,934
baseline
▲ 0.50% · 4.625%
HK$38,880
+HK$1,946/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,868/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,797
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,973
−HK$1,194/mo
Today · 4.125%
HK$40,167
baseline
▲ 0.50% · 4.625%
HK$42,611
+HK$2,444/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,334/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,049
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,176
−HK$1,144/mo
Today · 4.125%
HK$44,320
baseline
▲ 0.50% · 4.625%
HK$46,657
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,640/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,096
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,468
−HK$1,394/mo
Today · 4.125%
HK$46,862
baseline
▲ 0.50% · 4.625%
HK$49,713
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,724/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,057
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,372
−HK$1,335/mo
Today · 4.125%
HK$51,707
baseline
▲ 0.50% · 4.625%
HK$54,433
+HK$2,726/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,414/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,695
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,459
−HK$1,792/mo
Today · 4.125%
HK$60,251
baseline
▲ 0.50% · 4.625%
HK$63,917
+HK$3,666/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,502/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,073
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,765
−HK$1,716/mo
Today · 4.125%
HK$66,481
baseline
▲ 0.50% · 4.625%
HK$69,985
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,962/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,991 · Scale 2, in force from 26 Feb 2026)