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$31,513
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,493
−HK$996/mo
Today · 4.125%
HK$33,489
baseline
▲ 0.50% · 4.625%
HK$35,527
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,978/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,058
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$35,998
−HK$954/mo
Today · 4.125%
HK$36,952
baseline
▲ 0.50% · 4.625%
HK$38,900
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,904/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,816
−HK$2,371/mo
▼ 0.25% · 3.875%
HK$38,992
−HK$1,195/mo
Today · 4.125%
HK$40,187
baseline
▲ 0.50% · 4.625%
HK$42,632
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,374/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,070
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,198
−HK$1,144/mo
Today · 4.125%
HK$44,342
baseline
▲ 0.50% · 4.625%
HK$46,680
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,684/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,118
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,491
−HK$1,394/mo
Today · 4.125%
HK$46,885
baseline
▲ 0.50% · 4.625%
HK$49,738
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,770/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,081
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,397
−HK$1,336/mo
Today · 4.125%
HK$51,733
baseline
▲ 0.50% · 4.625%
HK$54,460
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,466/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,724
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,488
−HK$1,793/mo
Today · 4.125%
HK$60,281
baseline
▲ 0.50% · 4.625%
HK$63,949
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,562/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,249 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,104
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,797
−HK$1,717/mo
Today · 4.125%
HK$66,514
baseline
▲ 0.50% · 4.625%
HK$70,020
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,028/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,249 · Scale 2, in force from 26 Feb 2026)