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$31,554
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,535
−HK$997/mo
Today · 4.125%
HK$33,532
baseline
▲ 0.50% · 4.625%
HK$35,573
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,064/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,103
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,045
−HK$955/mo
Today · 4.125%
HK$37,000
baseline
▲ 0.50% · 4.625%
HK$38,950
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,000/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,864
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,042
−HK$1,197/mo
Today · 4.125%
HK$40,239
baseline
▲ 0.50% · 4.625%
HK$42,687
+HK$2,448/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,478/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,124
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,253
−HK$1,147/mo
Today · 4.125%
HK$44,400
baseline
▲ 0.50% · 4.625%
HK$46,740
+HK$2,340/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,800/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,175
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,549
−HK$1,396/mo
Today · 4.125%
HK$46,945
baseline
▲ 0.50% · 4.625%
HK$49,802
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,890/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,144
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,462
−HK$1,337/mo
Today · 4.125%
HK$51,799
baseline
▲ 0.50% · 4.625%
HK$54,530
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,598/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,797
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,563
−HK$1,795/mo
Today · 4.125%
HK$60,358
baseline
▲ 0.50% · 4.625%
HK$64,031
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,716/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,916 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,186
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,880
−HK$1,719/mo
Today · 4.125%
HK$66,599
baseline
▲ 0.50% · 4.625%
HK$70,110
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,198/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,916 · Scale 2, in force from 26 Feb 2026)