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$31,528
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,509
−HK$996/mo
Today · 4.125%
HK$33,505
baseline
▲ 0.50% · 4.625%
HK$35,544
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,010/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,499 · 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$518,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,834
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$39,011
−HK$1,195/mo
Today · 4.125%
HK$40,206
baseline
▲ 0.50% · 4.625%
HK$42,653
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,412/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,499 · 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$46,702
+HK$2,338/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$518,499 · 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$518,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,105
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,422
−HK$1,336/mo
Today · 4.125%
HK$51,758
baseline
▲ 0.50% · 4.625%
HK$54,486
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,516/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,751
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,516
−HK$1,794/mo
Today · 4.125%
HK$60,310
baseline
▲ 0.50% · 4.625%
HK$63,979
+HK$3,669/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$518,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,135
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,828
−HK$1,718/mo
Today · 4.125%
HK$66,546
baseline
▲ 0.50% · 4.625%
HK$70,053
+HK$3,507/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,092/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,499 · Scale 2, in force from 26 Feb 2026)