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$31,526
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,507
−HK$996/mo
Today · 4.125%
HK$33,503
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,006/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,073
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,013
−HK$955/mo
Today · 4.125%
HK$36,968
baseline
▲ 0.50% · 4.625%
HK$38,916
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,936/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,832
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,008
−HK$1,196/mo
Today · 4.125%
HK$40,204
baseline
▲ 0.50% · 4.625%
HK$42,650
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,408/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,087
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,216
−HK$1,145/mo
Today · 4.125%
HK$44,361
baseline
▲ 0.50% · 4.625%
HK$46,699
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,722/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,137
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,510
−HK$1,395/mo
Today · 4.125%
HK$46,905
baseline
▲ 0.50% · 4.625%
HK$49,759
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,810/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,102
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,419
−HK$1,336/mo
Today · 4.125%
HK$51,755
baseline
▲ 0.50% · 4.625%
HK$54,483
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,510/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,747
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,513
−HK$1,793/mo
Today · 4.125%
HK$60,306
baseline
▲ 0.50% · 4.625%
HK$63,975
+HK$3,669/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,612/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,131
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,824
−HK$1,718/mo
Today · 4.125%
HK$66,542
baseline
▲ 0.50% · 4.625%
HK$70,049
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,084/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,467 · Scale 2, in force from 26 Feb 2026)