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$31,527
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,507
−HK$997/mo
Today · 4.125%
HK$33,504
baseline
▲ 0.50% · 4.625%
HK$35,542
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,008/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,073
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,014
−HK$954/mo
Today · 4.125%
HK$36,968
baseline
▲ 0.50% · 4.625%
HK$38,917
+HK$1,949/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$518,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,832
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,009
−HK$1,196/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,651
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,410/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,088
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,217
−HK$1,145/mo
Today · 4.125%
HK$44,362
baseline
▲ 0.50% · 4.625%
HK$46,700
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,724/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,138
−HK$2,767/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$518,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,103
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,419
−HK$1,336/mo
Today · 4.125%
HK$51,755
baseline
▲ 0.50% · 4.625%
HK$54,484
+HK$2,729/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$518,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,748
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,513
−HK$1,794/mo
Today · 4.125%
HK$60,307
baseline
▲ 0.50% · 4.625%
HK$63,976
+HK$3,669/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,614/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,132
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,825
−HK$1,718/mo
Today · 4.125%
HK$66,543
baseline
▲ 0.50% · 4.625%
HK$70,050
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,086/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,475 · Scale 2, in force from 26 Feb 2026)