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$31,534
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,515
−HK$997/mo
Today · 4.125%
HK$33,512
baseline
▲ 0.50% · 4.625%
HK$35,551
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,024/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,081
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,022
−HK$955/mo
Today · 4.125%
HK$36,977
baseline
▲ 0.50% · 4.625%
HK$38,926
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,954/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,841
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,018
−HK$1,196/mo
Today · 4.125%
HK$40,214
baseline
▲ 0.50% · 4.625%
HK$42,661
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,428/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,098
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,227
−HK$1,145/mo
Today · 4.125%
HK$44,372
baseline
▲ 0.50% · 4.625%
HK$46,711
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,744/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,148
−HK$2,768/mo
▼ 0.25% · 3.875%
HK$45,521
−HK$1,395/mo
Today · 4.125%
HK$46,916
baseline
▲ 0.50% · 4.625%
HK$49,771
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,832/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,114
−HK$2,653/mo
▼ 0.25% · 3.875%
HK$50,431
−HK$1,336/mo
Today · 4.125%
HK$51,767
baseline
▲ 0.50% · 4.625%
HK$54,496
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,534/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,761
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,794/mo
Today · 4.125%
HK$60,321
baseline
▲ 0.50% · 4.625%
HK$63,991
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,642/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,146
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,840
−HK$1,718/mo
Today · 4.125%
HK$66,558
baseline
▲ 0.50% · 4.625%
HK$70,066
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,116/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,595 · Scale 2, in force from 26 Feb 2026)