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$31,530
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,510
−HK$997/mo
Today · 4.125%
HK$33,507
baseline
▲ 0.50% · 4.625%
HK$35,546
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,014/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,076
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,017
−HK$954/mo
Today · 4.125%
HK$36,971
baseline
▲ 0.50% · 4.625%
HK$38,920
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,942/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,835
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,012
−HK$1,196/mo
Today · 4.125%
HK$40,208
baseline
▲ 0.50% · 4.625%
HK$42,655
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,416/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,092
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,220
−HK$1,146/mo
Today · 4.125%
HK$44,366
baseline
▲ 0.50% · 4.625%
HK$46,704
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,732/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,141
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,514
−HK$1,395/mo
Today · 4.125%
HK$46,909
baseline
▲ 0.50% · 4.625%
HK$49,764
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,818/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,107
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,424
−HK$1,336/mo
Today · 4.125%
HK$51,760
baseline
▲ 0.50% · 4.625%
HK$54,488
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,520/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,753
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,519
−HK$1,793/mo
Today · 4.125%
HK$60,312
baseline
▲ 0.50% · 4.625%
HK$63,982
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,624/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,137
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,831
−HK$1,717/mo
Today · 4.125%
HK$66,548
baseline
▲ 0.50% · 4.625%
HK$70,056
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,096/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,520 · Scale 2, in force from 26 Feb 2026)