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$31,535
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,516
−HK$997/mo
Today · 4.125%
HK$33,513
baseline
▲ 0.50% · 4.625%
HK$35,552
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,026/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,082
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,023
−HK$955/mo
Today · 4.125%
HK$36,978
baseline
▲ 0.50% · 4.625%
HK$38,927
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,956/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,842
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,019
−HK$1,196/mo
Today · 4.125%
HK$40,215
baseline
▲ 0.50% · 4.625%
HK$42,662
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,430/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,099
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,228
−HK$1,145/mo
Today · 4.125%
HK$44,373
baseline
▲ 0.50% · 4.625%
HK$46,712
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,746/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,149
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,522
−HK$1,396/mo
Today · 4.125%
HK$46,918
baseline
▲ 0.50% · 4.625%
HK$49,773
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,836/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,115
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,433
−HK$1,336/mo
Today · 4.125%
HK$51,769
baseline
▲ 0.50% · 4.625%
HK$54,498
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,538/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,763
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,529
−HK$1,794/mo
Today · 4.125%
HK$60,323
baseline
▲ 0.50% · 4.625%
HK$63,993
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,646/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,148
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,842
−HK$1,718/mo
Today · 4.125%
HK$66,560
baseline
▲ 0.50% · 4.625%
HK$70,069
+HK$3,509/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,120/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,612 · Scale 2, in force from 26 Feb 2026)