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$31,527
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,508
−HK$996/mo
Today · 4.125%
HK$33,504
baseline
▲ 0.50% · 4.625%
HK$35,543
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,008/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,074
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,014
−HK$955/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$38,917
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,833
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,196/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,651
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,410/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,088
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,217
−HK$1,145/mo
Today · 4.125%
HK$44,362
baseline
▲ 0.50% · 4.625%
HK$46,701
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,724/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,138
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,511
−HK$1,395/mo
Today · 4.125%
HK$46,906
baseline
▲ 0.50% · 4.625%
HK$49,760
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,812/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,103
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,420
−HK$1,336/mo
Today · 4.125%
HK$51,756
baseline
▲ 0.50% · 4.625%
HK$54,484
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,512/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,749
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,514
−HK$1,794/mo
Today · 4.125%
HK$60,308
baseline
▲ 0.50% · 4.625%
HK$63,977
+HK$3,669/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,616/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,133
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,826
−HK$1,718/mo
Today · 4.125%
HK$66,544
baseline
▲ 0.50% · 4.625%
HK$70,051
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,088/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,482 · Scale 2, in force from 26 Feb 2026)