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$31,501
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,481
−HK$996/mo
Today · 4.125%
HK$33,477
baseline
▲ 0.50% · 4.625%
HK$35,514
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,954/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,045
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,985
−HK$953/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$38,885
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,801
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,977
−HK$1,195/mo
Today · 4.125%
HK$40,172
baseline
▲ 0.50% · 4.625%
HK$42,616
+HK$2,444/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,344/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,054
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,182
−HK$1,144/mo
Today · 4.125%
HK$44,326
baseline
▲ 0.50% · 4.625%
HK$46,662
+HK$2,336/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,652/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,102
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,473
−HK$1,394/mo
Today · 4.125%
HK$46,867
baseline
▲ 0.50% · 4.625%
HK$49,719
+HK$2,852/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,734/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,063
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,378
−HK$1,335/mo
Today · 4.125%
HK$51,713
baseline
▲ 0.50% · 4.625%
HK$54,439
+HK$2,726/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,426/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,702
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,466
−HK$1,792/mo
Today · 4.125%
HK$60,258
baseline
▲ 0.50% · 4.625%
HK$63,924
+HK$3,666/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,516/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,081
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,772
−HK$1,717/mo
Today · 4.125%
HK$66,489
baseline
▲ 0.50% · 4.625%
HK$69,993
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,978/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,054 · Scale 2, in force from 26 Feb 2026)