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$31,539
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,520
−HK$997/mo
Today · 4.125%
HK$33,517
baseline
▲ 0.50% · 4.625%
HK$35,557
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,034/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,087
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,028
−HK$955/mo
Today · 4.125%
HK$36,983
baseline
▲ 0.50% · 4.625%
HK$38,932
+HK$1,949/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,966/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,847
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,024
−HK$1,197/mo
Today · 4.125%
HK$40,221
baseline
▲ 0.50% · 4.625%
HK$42,668
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,442/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,105
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,234
−HK$1,145/mo
Today · 4.125%
HK$44,379
baseline
▲ 0.50% · 4.625%
HK$46,719
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,758/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,155
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,529
−HK$1,395/mo
Today · 4.125%
HK$46,924
baseline
▲ 0.50% · 4.625%
HK$49,779
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,848/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,122
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,439
−HK$1,337/mo
Today · 4.125%
HK$51,776
baseline
▲ 0.50% · 4.625%
HK$54,505
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,552/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,771
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,537
−HK$1,794/mo
Today · 4.125%
HK$60,331
baseline
▲ 0.50% · 4.625%
HK$64,002
+HK$3,671/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,662/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,157
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,851
−HK$1,718/mo
Today · 4.125%
HK$66,569
baseline
▲ 0.50% · 4.625%
HK$70,078
+HK$3,509/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,138/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,681 · Scale 2, in force from 26 Feb 2026)