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$31,519
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,499
−HK$996/mo
Today · 4.125%
HK$33,495
baseline
▲ 0.50% · 4.625%
HK$35,533
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,990/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,064
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,005
−HK$954/mo
Today · 4.125%
HK$36,959
baseline
▲ 0.50% · 4.625%
HK$38,907
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,918/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,823
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,999
−HK$1,195/mo
Today · 4.125%
HK$40,194
baseline
▲ 0.50% · 4.625%
HK$42,640
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,388/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,077
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,206
−HK$1,145/mo
Today · 4.125%
HK$44,351
baseline
▲ 0.50% · 4.625%
HK$46,688
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,702/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,126
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,499
−HK$1,394/mo
Today · 4.125%
HK$46,893
baseline
▲ 0.50% · 4.625%
HK$49,747
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,786/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,090
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,407
−HK$1,335/mo
Today · 4.125%
HK$51,742
baseline
▲ 0.50% · 4.625%
HK$54,470
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,484/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,734
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,499
−HK$1,793/mo
Today · 4.125%
HK$60,292
baseline
▲ 0.50% · 4.625%
HK$63,960
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,584/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,116
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,809
−HK$1,717/mo
Today · 4.125%
HK$66,526
baseline
▲ 0.50% · 4.625%
HK$70,033
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,052/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,344 · Scale 2, in force from 26 Feb 2026)