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$31,546
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,527
−HK$997/mo
Today · 4.125%
HK$33,524
baseline
▲ 0.50% · 4.625%
HK$35,564
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,048/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,095
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,036
−HK$955/mo
Today · 4.125%
HK$36,991
baseline
▲ 0.50% · 4.625%
HK$38,941
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,982/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,855
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,033
−HK$1,196/mo
Today · 4.125%
HK$40,229
baseline
▲ 0.50% · 4.625%
HK$42,677
+HK$2,448/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,458/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,114
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,243
−HK$1,146/mo
Today · 4.125%
HK$44,389
baseline
▲ 0.50% · 4.625%
HK$46,729
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,778/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,164
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,538
−HK$1,396/mo
Today · 4.125%
HK$46,934
baseline
▲ 0.50% · 4.625%
HK$49,790
+HK$2,856/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,868/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,132
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,450
−HK$1,337/mo
Today · 4.125%
HK$51,787
baseline
▲ 0.50% · 4.625%
HK$54,517
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,574/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,783
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,549
−HK$1,795/mo
Today · 4.125%
HK$60,344
baseline
▲ 0.50% · 4.625%
HK$64,015
+HK$3,671/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,688/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,791 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,170
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,865
−HK$1,718/mo
Today · 4.125%
HK$66,583
baseline
▲ 0.50% · 4.625%
HK$70,093
+HK$3,510/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,166/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,791 · Scale 2, in force from 26 Feb 2026)