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$32,508
−HK$996/mo
Today · 4.125%
HK$33,504
baseline
▲ 0.50% · 4.625%
HK$35,543
+HK$2,039/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$518,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,074
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,015
−HK$954/mo
Today · 4.125%
HK$36,969
baseline
▲ 0.50% · 4.625%
HK$38,918
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,938/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,833
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,010
−HK$1,195/mo
Today · 4.125%
HK$40,205
baseline
▲ 0.50% · 4.625%
HK$42,652
+HK$2,447/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$518,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,089
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,217
−HK$1,146/mo
Today · 4.125%
HK$44,363
baseline
▲ 0.50% · 4.625%
HK$46,701
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,726/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,138
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,511
−HK$1,395/mo
Today · 4.125%
HK$46,906
baseline
▲ 0.50% · 4.625%
HK$49,760
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,812/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,103
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,420
−HK$1,336/mo
Today · 4.125%
HK$51,756
baseline
▲ 0.50% · 4.625%
HK$54,485
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,512/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,749
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,515
−HK$1,793/mo
Today · 4.125%
HK$60,308
baseline
▲ 0.50% · 4.625%
HK$63,978
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,616/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,133
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,826
−HK$1,718/mo
Today · 4.125%
HK$66,544
baseline
▲ 0.50% · 4.625%
HK$70,052
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,088/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,485 · Scale 2, in force from 26 Feb 2026)