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$31,496
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,475
−HK$996/mo
Today · 4.125%
HK$33,471
baseline
▲ 0.50% · 4.625%
HK$35,507
+HK$2,036/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,942/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,039
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,978
−HK$954/mo
Today · 4.125%
HK$36,932
baseline
▲ 0.50% · 4.625%
HK$38,878
+HK$1,946/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,864/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,795
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,970
−HK$1,195/mo
Today · 4.125%
HK$40,165
baseline
▲ 0.50% · 4.625%
HK$42,609
+HK$2,444/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,330/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,046
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,174
−HK$1,144/mo
Today · 4.125%
HK$44,318
baseline
▲ 0.50% · 4.625%
HK$46,654
+HK$2,336/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,636/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,094
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,466
−HK$1,393/mo
Today · 4.125%
HK$46,859
baseline
▲ 0.50% · 4.625%
HK$49,710
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,718/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,054
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,370
−HK$1,334/mo
Today · 4.125%
HK$51,704
baseline
▲ 0.50% · 4.625%
HK$54,430
+HK$2,726/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,408/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,692
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,456
−HK$1,791/mo
Today · 4.125%
HK$60,247
baseline
▲ 0.50% · 4.625%
HK$63,913
+HK$3,666/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,494/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,070
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,761
−HK$1,716/mo
Today · 4.125%
HK$66,477
baseline
▲ 0.50% · 4.625%
HK$69,981
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,954/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,964 · Scale 2, in force from 26 Feb 2026)