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$31,493
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,473
−HK$995/mo
Today · 4.125%
HK$33,468
baseline
▲ 0.50% · 4.625%
HK$35,504
+HK$2,036/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,936/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,036
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,975
−HK$954/mo
Today · 4.125%
HK$36,929
baseline
▲ 0.50% · 4.625%
HK$38,875
+HK$1,946/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,858/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,792
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,967
−HK$1,195/mo
Today · 4.125%
HK$40,162
baseline
▲ 0.50% · 4.625%
HK$42,605
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,324/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,043
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,170
−HK$1,144/mo
Today · 4.125%
HK$44,314
baseline
▲ 0.50% · 4.625%
HK$46,650
+HK$2,336/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,628/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,090
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,462
−HK$1,393/mo
Today · 4.125%
HK$46,855
baseline
▲ 0.50% · 4.625%
HK$49,706
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,710/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,050
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,366
−HK$1,334/mo
Today · 4.125%
HK$51,700
baseline
▲ 0.50% · 4.625%
HK$54,425
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,400/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,688
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,451
−HK$1,791/mo
Today · 4.125%
HK$60,242
baseline
▲ 0.50% · 4.625%
HK$63,908
+HK$3,666/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,484/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,064
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,756
−HK$1,715/mo
Today · 4.125%
HK$66,471
baseline
▲ 0.50% · 4.625%
HK$69,975
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,942/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,920 · Scale 2, in force from 26 Feb 2026)