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$518,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,082
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,023
−HK$954/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$518,599 · 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$518,599 · 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$518,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,148
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,521
−HK$1,396/mo
Today · 4.125%
HK$46,917
baseline
▲ 0.50% · 4.625%
HK$49,771
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,834/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,114
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,432
−HK$1,336/mo
Today · 4.125%
HK$51,768
baseline
▲ 0.50% · 4.625%
HK$54,497
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,536/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,762
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,527
−HK$1,794/mo
Today · 4.125%
HK$60,321
baseline
▲ 0.50% · 4.625%
HK$63,992
+HK$3,671/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$518,599 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,147
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,841
−HK$1,718/mo
Today · 4.125%
HK$66,559
baseline
▲ 0.50% · 4.625%
HK$70,067
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,118/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,599 · Scale 2, in force from 26 Feb 2026)