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$31,529
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,509
−HK$997/mo
Today · 4.125%
HK$33,506
baseline
▲ 0.50% · 4.625%
HK$35,545
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,012/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,075
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,016
−HK$954/mo
Today · 4.125%
HK$36,970
baseline
▲ 0.50% · 4.625%
HK$38,919
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,940/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,834
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,011
−HK$1,196/mo
Today · 4.125%
HK$40,207
baseline
▲ 0.50% · 4.625%
HK$42,653
+HK$2,446/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,414/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,090
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,219
−HK$1,145/mo
Today · 4.125%
HK$44,364
baseline
▲ 0.50% · 4.625%
HK$46,703
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,728/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,140
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,513
−HK$1,395/mo
Today · 4.125%
HK$46,908
baseline
▲ 0.50% · 4.625%
HK$49,762
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,816/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,105
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,422
−HK$1,337/mo
Today · 4.125%
HK$51,759
baseline
▲ 0.50% · 4.625%
HK$54,487
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,518/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,752
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,517
−HK$1,793/mo
Today · 4.125%
HK$60,310
baseline
▲ 0.50% · 4.625%
HK$63,980
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,620/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,136
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,829
−HK$1,718/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,054
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,506 · Scale 2, in force from 26 Feb 2026)