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$31,552
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,533
−HK$997/mo
Today · 4.125%
HK$33,530
baseline
▲ 0.50% · 4.625%
HK$35,570
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,060/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,101
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,042
−HK$955/mo
Today · 4.125%
HK$36,997
baseline
▲ 0.50% · 4.625%
HK$38,947
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,994/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,862
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,040
−HK$1,196/mo
Today · 4.125%
HK$40,236
baseline
▲ 0.50% · 4.625%
HK$42,685
+HK$2,449/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,472/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,121
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,251
−HK$1,146/mo
Today · 4.125%
HK$44,397
baseline
▲ 0.50% · 4.625%
HK$46,737
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,794/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,172
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,546
−HK$1,396/mo
Today · 4.125%
HK$46,942
baseline
▲ 0.50% · 4.625%
HK$49,799
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,884/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,141
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,459
−HK$1,337/mo
Today · 4.125%
HK$51,796
baseline
▲ 0.50% · 4.625%
HK$54,526
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,592/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,793
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,560
−HK$1,794/mo
Today · 4.125%
HK$60,354
baseline
▲ 0.50% · 4.625%
HK$64,027
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,708/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,883 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,182
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,876
−HK$1,719/mo
Today · 4.125%
HK$66,595
baseline
▲ 0.50% · 4.625%
HK$70,105
+HK$3,510/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,190/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,883 · Scale 2, in force from 26 Feb 2026)