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$31,516
−HK$1,976/mo
▼ 0.25% · 3.875%
HK$32,496
−HK$996/mo
Today · 4.125%
HK$33,492
baseline
▲ 0.50% · 4.625%
HK$35,530
+HK$2,038/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$66,984/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,061
−HK$1,894/mo
▼ 0.25% · 3.875%
HK$36,002
−HK$953/mo
Today · 4.125%
HK$36,955
baseline
▲ 0.50% · 4.625%
HK$38,903
+HK$1,948/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,910/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,819
−HK$2,372/mo
▼ 0.25% · 3.875%
HK$38,996
−HK$1,195/mo
Today · 4.125%
HK$40,191
baseline
▲ 0.50% · 4.625%
HK$42,636
+HK$2,445/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$80,382/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,073
−HK$2,274/mo
▼ 0.25% · 3.875%
HK$43,202
−HK$1,145/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$46,684
+HK$2,337/mo
Deposit HK$5.53M · loan HK$8.29M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,122
−HK$2,767/mo
▼ 0.25% · 3.875%
HK$45,495
−HK$1,394/mo
Today · 4.125%
HK$46,889
baseline
▲ 0.50% · 4.625%
HK$49,742
+HK$2,853/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$93,778/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,086
−HK$2,652/mo
▼ 0.25% · 3.875%
HK$50,402
−HK$1,336/mo
Today · 4.125%
HK$51,738
baseline
▲ 0.50% · 4.625%
HK$54,465
+HK$2,727/mo
Deposit HK$4.15M · loan HK$9.67M · min. income ≈ HK$103,476/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$518,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,729
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,493
−HK$1,793/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,954
+HK$3,668/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,297 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,110
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,803
−HK$1,717/mo
Today · 4.125%
HK$66,520
baseline
▲ 0.50% · 4.625%
HK$70,026
+HK$3,506/mo
Deposit HK$1.38M · loan HK$12.44M · min. income ≈ HK$133,040/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,297 · Scale 2, in force from 26 Feb 2026)