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$31,501
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,481
−HK$995/mo
Today · 4.125%
HK$33,476
baseline
▲ 0.50% · 4.625%
HK$35,513
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,952/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,044
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,984
−HK$954/mo
Today · 4.125%
HK$36,938
baseline
▲ 0.50% · 4.625%
HK$38,885
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,876/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,801
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,977
−HK$1,194/mo
Today · 4.125%
HK$40,171
baseline
▲ 0.50% · 4.625%
HK$42,616
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,342/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,053
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,181
−HK$1,144/mo
Today · 4.125%
HK$44,325
baseline
▲ 0.50% · 4.625%
HK$46,662
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,650/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$518,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,101
−HK$2,766/mo
▼ 0.25% · 3.875%
HK$45,473
−HK$1,394/mo
Today · 4.125%
HK$46,867
baseline
▲ 0.50% · 4.625%
HK$49,718
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,734/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,062
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,378
−HK$1,335/mo
Today · 4.125%
HK$51,713
baseline
▲ 0.50% · 4.625%
HK$54,439
+HK$2,726/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,426/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,702
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,465
−HK$1,792/mo
Today · 4.125%
HK$60,257
baseline
▲ 0.50% · 4.625%
HK$63,924
+HK$3,667/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,514/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,080
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,772
−HK$1,716/mo
Today · 4.125%
HK$66,488
baseline
▲ 0.50% · 4.625%
HK$69,993
+HK$3,505/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,976/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,048 · Scale 2, in force from 26 Feb 2026)