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$31,531
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,512
−HK$996/mo
Today · 4.125%
HK$33,508
baseline
▲ 0.50% · 4.625%
HK$35,547
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,016/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,078
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,019
−HK$954/mo
Today · 4.125%
HK$36,973
baseline
▲ 0.50% · 4.625%
HK$38,922
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,946/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,837
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,014
−HK$1,196/mo
Today · 4.125%
HK$40,210
baseline
▲ 0.50% · 4.625%
HK$42,657
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,420/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,094
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,223
−HK$1,145/mo
Today · 4.125%
HK$44,368
baseline
▲ 0.50% · 4.625%
HK$46,707
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,736/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,144
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,517
−HK$1,395/mo
Today · 4.125%
HK$46,912
baseline
▲ 0.50% · 4.625%
HK$49,766
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,824/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,109
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,426
−HK$1,336/mo
Today · 4.125%
HK$51,762
baseline
▲ 0.50% · 4.625%
HK$54,491
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,524/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,756
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,521
−HK$1,794/mo
Today · 4.125%
HK$60,315
baseline
▲ 0.50% · 4.625%
HK$63,985
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,630/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,140
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,834
−HK$1,718/mo
Today · 4.125%
HK$66,552
baseline
▲ 0.50% · 4.625%
HK$70,060
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,104/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,546 · Scale 2, in force from 26 Feb 2026)