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$31,499
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,478
−HK$996/mo
Today · 4.125%
HK$33,474
baseline
▲ 0.50% · 4.625%
HK$35,511
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,948/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$518,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,042
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,982
−HK$953/mo
Today · 4.125%
HK$36,935
baseline
▲ 0.50% · 4.625%
HK$38,882
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,870/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$518,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,798
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,974
−HK$1,195/mo
Today · 4.125%
HK$40,169
baseline
▲ 0.50% · 4.625%
HK$42,613
+HK$2,444/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,338/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,050
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,178
−HK$1,144/mo
Today · 4.125%
HK$44,322
baseline
▲ 0.50% · 4.625%
HK$46,658
+HK$2,336/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,644/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,098
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,470
−HK$1,393/mo
Today · 4.125%
HK$46,863
baseline
▲ 0.50% · 4.625%
HK$49,715
+HK$2,852/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,726/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,059
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,374
−HK$1,335/mo
Today · 4.125%
HK$51,709
baseline
▲ 0.50% · 4.625%
HK$54,435
+HK$2,726/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,418/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,697
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,461
−HK$1,792/mo
Today · 4.125%
HK$60,253
baseline
▲ 0.50% · 4.625%
HK$63,919
+HK$3,666/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,506/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,075
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,767
−HK$1,716/mo
Today · 4.125%
HK$66,483
baseline
▲ 0.50% · 4.625%
HK$69,988
+HK$3,505/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,966/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,011 · Scale 2, in force from 26 Feb 2026)