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$31,491
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,470
−HK$995/mo
Today · 4.125%
HK$33,465
baseline
▲ 0.50% · 4.625%
HK$35,502
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,930/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,033
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,973
−HK$953/mo
Today · 4.125%
HK$36,926
baseline
▲ 0.50% · 4.625%
HK$38,872
+HK$1,946/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,852/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,789
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,964
−HK$1,195/mo
Today · 4.125%
HK$40,159
baseline
▲ 0.50% · 4.625%
HK$42,602
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,318/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,040
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,167
−HK$1,144/mo
Today · 4.125%
HK$44,311
baseline
▲ 0.50% · 4.625%
HK$46,647
+HK$2,336/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,622/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,087
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,458
−HK$1,394/mo
Today · 4.125%
HK$46,852
baseline
▲ 0.50% · 4.625%
HK$49,702
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,704/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,046
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,362
−HK$1,334/mo
Today · 4.125%
HK$51,696
baseline
▲ 0.50% · 4.625%
HK$54,421
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,392/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,683
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,446
−HK$1,792/mo
Today · 4.125%
HK$60,238
baseline
▲ 0.50% · 4.625%
HK$63,903
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,476/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,060
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,751
−HK$1,715/mo
Today · 4.125%
HK$66,466
baseline
▲ 0.50% · 4.625%
HK$69,970
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,932/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,881 · Scale 2, in force from 26 Feb 2026)