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$31,537
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,518
−HK$996/mo
Today · 4.125%
HK$33,514
baseline
▲ 0.50% · 4.625%
HK$35,554
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,028/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,084
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,025
−HK$955/mo
Today · 4.125%
HK$36,980
baseline
▲ 0.50% · 4.625%
HK$38,929
+HK$1,949/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,960/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,844
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,021
−HK$1,196/mo
Today · 4.125%
HK$40,217
baseline
▲ 0.50% · 4.625%
HK$42,664
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,434/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,101
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,230
−HK$1,146/mo
Today · 4.125%
HK$44,376
baseline
▲ 0.50% · 4.625%
HK$46,715
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,752/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,151
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,525
−HK$1,395/mo
Today · 4.125%
HK$46,920
baseline
▲ 0.50% · 4.625%
HK$49,775
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,840/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,118
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,435
−HK$1,337/mo
Today · 4.125%
HK$51,772
baseline
▲ 0.50% · 4.625%
HK$54,500
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,544/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,766
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,532
−HK$1,794/mo
Today · 4.125%
HK$60,326
baseline
▲ 0.50% · 4.625%
HK$63,996
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,652/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,152
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,845
−HK$1,718/mo
Today · 4.125%
HK$66,563
baseline
▲ 0.50% · 4.625%
HK$70,072
+HK$3,509/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,126/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,637 · Scale 2, in force from 26 Feb 2026)