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$31,544
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,525
−HK$997/mo
Today · 4.125%
HK$33,522
baseline
▲ 0.50% · 4.625%
HK$35,562
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,044/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,093
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,034
−HK$955/mo
Today · 4.125%
HK$36,989
baseline
▲ 0.50% · 4.625%
HK$38,938
+HK$1,949/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,978/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,853
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,030
−HK$1,197/mo
Today · 4.125%
HK$40,227
baseline
▲ 0.50% · 4.625%
HK$42,674
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,454/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,111
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,241
−HK$1,145/mo
Today · 4.125%
HK$44,386
baseline
▲ 0.50% · 4.625%
HK$46,726
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,772/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,162
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,536
−HK$1,395/mo
Today · 4.125%
HK$46,931
baseline
▲ 0.50% · 4.625%
HK$49,787
+HK$2,856/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,862/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,130
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,447
−HK$1,337/mo
Today · 4.125%
HK$51,784
baseline
▲ 0.50% · 4.625%
HK$54,514
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,568/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,780
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,546
−HK$1,794/mo
Today · 4.125%
HK$60,340
baseline
▲ 0.50% · 4.625%
HK$64,012
+HK$3,672/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,680/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,167
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,861
−HK$1,718/mo
Today · 4.125%
HK$66,579
baseline
▲ 0.50% · 4.625%
HK$70,089
+HK$3,510/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,158/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,761 · Scale 2, in force from 26 Feb 2026)