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$31,516
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,497
−HK$996/mo
Today · 4.125%
HK$33,493
baseline
▲ 0.50% · 4.625%
HK$35,531
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,986/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,062
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,002
−HK$954/mo
Today · 4.125%
HK$36,956
baseline
▲ 0.50% · 4.625%
HK$38,904
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,912/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,820
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,195/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,637
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,074
−HK$2,273/mo
▼ 0.25% · 3.875%
HK$43,203
−HK$1,144/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$46,685
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,123
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,496
−HK$1,394/mo
Today · 4.125%
HK$46,890
baseline
▲ 0.50% · 4.625%
HK$49,743
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,780/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,086
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,403
−HK$1,335/mo
Today · 4.125%
HK$51,738
baseline
▲ 0.50% · 4.625%
HK$54,466
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,476/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,730
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,494
−HK$1,793/mo
Today · 4.125%
HK$60,287
baseline
▲ 0.50% · 4.625%
HK$63,955
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,574/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,305 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,111
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,804
−HK$1,717/mo
Today · 4.125%
HK$66,521
baseline
▲ 0.50% · 4.625%
HK$70,027
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,042/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,305 · Scale 2, in force from 26 Feb 2026)