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$31,497
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,477
−HK$995/mo
Today · 4.125%
HK$33,472
baseline
▲ 0.50% · 4.625%
HK$35,509
+HK$2,037/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,944/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,040
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,980
−HK$953/mo
Today · 4.125%
HK$36,933
baseline
▲ 0.50% · 4.625%
HK$38,880
+HK$1,947/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,866/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,797
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,972
−HK$1,195/mo
Today · 4.125%
HK$40,167
baseline
▲ 0.50% · 4.625%
HK$42,611
+HK$2,444/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,334/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,048
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,176
−HK$1,144/mo
Today · 4.125%
HK$44,320
baseline
▲ 0.50% · 4.625%
HK$46,656
+HK$2,336/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,640/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,096
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,468
−HK$1,393/mo
Today · 4.125%
HK$46,861
baseline
▲ 0.50% · 4.625%
HK$49,713
+HK$2,852/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,722/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,056
−HK$2,651/mo
▼ 0.25% · 3.875%
HK$50,372
−HK$1,335/mo
Today · 4.125%
HK$51,707
baseline
▲ 0.50% · 4.625%
HK$54,432
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,414/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,695
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,459
−HK$1,791/mo
Today · 4.125%
HK$60,250
baseline
▲ 0.50% · 4.625%
HK$63,916
+HK$3,666/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,500/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,989 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,073
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,764
−HK$1,716/mo
Today · 4.125%
HK$66,480
baseline
▲ 0.50% · 4.625%
HK$69,984
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,960/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,989 · Scale 2, in force from 26 Feb 2026)