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$31,515
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,496
−HK$996/mo
Today · 4.125%
HK$33,492
baseline
▲ 0.50% · 4.625%
HK$35,529
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,984/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,060
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,001
−HK$954/mo
Today · 4.125%
HK$36,955
baseline
▲ 0.50% · 4.625%
HK$38,903
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,910/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,818
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,995
−HK$1,195/mo
Today · 4.125%
HK$40,190
baseline
▲ 0.50% · 4.625%
HK$42,635
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,380/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,072
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,201
−HK$1,145/mo
Today · 4.125%
HK$44,346
baseline
▲ 0.50% · 4.625%
HK$46,683
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,692/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,121
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,494
−HK$1,394/mo
Today · 4.125%
HK$46,888
baseline
▲ 0.50% · 4.625%
HK$49,741
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,776/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,085
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,401
−HK$1,335/mo
Today · 4.125%
HK$51,736
baseline
▲ 0.50% · 4.625%
HK$54,464
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,472/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,727
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,492
−HK$1,793/mo
Today · 4.125%
HK$60,285
baseline
▲ 0.50% · 4.625%
HK$63,953
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,570/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,109
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,801
−HK$1,717/mo
Today · 4.125%
HK$66,518
baseline
▲ 0.50% · 4.625%
HK$70,025
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,036/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,285 · Scale 2, in force from 26 Feb 2026)