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$31,532
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,513
−HK$997/mo
Today · 4.125%
HK$33,510
baseline
▲ 0.50% · 4.625%
HK$35,549
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,020/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,080
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,020
−HK$955/mo
Today · 4.125%
HK$36,975
baseline
▲ 0.50% · 4.625%
HK$38,924
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,950/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,839
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,016
−HK$1,196/mo
Today · 4.125%
HK$40,212
baseline
▲ 0.50% · 4.625%
HK$42,659
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,424/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,095
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,224
−HK$1,146/mo
Today · 4.125%
HK$44,370
baseline
▲ 0.50% · 4.625%
HK$46,709
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,740/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,145
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,519
−HK$1,395/mo
Today · 4.125%
HK$46,914
baseline
▲ 0.50% · 4.625%
HK$49,768
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,828/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,111
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,429
−HK$1,336/mo
Today · 4.125%
HK$51,765
baseline
▲ 0.50% · 4.625%
HK$54,493
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,530/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,758
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,524
−HK$1,794/mo
Today · 4.125%
HK$60,318
baseline
▲ 0.50% · 4.625%
HK$63,988
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,636/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,143
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,837
−HK$1,718/mo
Today · 4.125%
HK$66,555
baseline
▲ 0.50% · 4.625%
HK$70,063
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,110/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,568 · Scale 2, in force from 26 Feb 2026)