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$31,514
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,494
−HK$996/mo
Today · 4.125%
HK$33,490
baseline
▲ 0.50% · 4.625%
HK$35,528
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,980/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,059
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,999
−HK$954/mo
Today · 4.125%
HK$36,953
baseline
▲ 0.50% · 4.625%
HK$38,901
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,906/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,817
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,993
−HK$1,195/mo
Today · 4.125%
HK$40,188
baseline
▲ 0.50% · 4.625%
HK$42,634
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,376/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,071
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,199
−HK$1,145/mo
Today · 4.125%
HK$44,344
baseline
▲ 0.50% · 4.625%
HK$46,681
+HK$2,337/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$518,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,120
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,492
−HK$1,394/mo
Today · 4.125%
HK$46,886
baseline
▲ 0.50% · 4.625%
HK$49,739
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,772/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,083
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,399
−HK$1,335/mo
Today · 4.125%
HK$51,734
baseline
▲ 0.50% · 4.625%
HK$54,461
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,468/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,725
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,490
−HK$1,792/mo
Today · 4.125%
HK$60,282
baseline
▲ 0.50% · 4.625%
HK$63,950
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,564/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,106
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,799
−HK$1,717/mo
Today · 4.125%
HK$66,516
baseline
▲ 0.50% · 4.625%
HK$70,022
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,032/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,263 · Scale 2, in force from 26 Feb 2026)