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$31,532
−HK$1,977/mo
▼ 0.25% · 3.875%
HK$32,513
−HK$996/mo
Today · 4.125%
HK$33,509
baseline
▲ 0.50% · 4.625%
HK$35,548
+HK$2,039/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$67,018/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,079
−HK$1,895/mo
▼ 0.25% · 3.875%
HK$36,020
−HK$954/mo
Today · 4.125%
HK$36,974
baseline
▲ 0.50% · 4.625%
HK$38,923
+HK$1,949/mo
Deposit HK$6.91M · loan HK$6.91M · min. income ≈ HK$73,948/mo (50% DSR)
Upfront cash ≈ HK$7.43M (deposit + AVD stamp duty HK$518,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,838
−HK$2,373/mo
▼ 0.25% · 3.875%
HK$39,015
−HK$1,196/mo
Today · 4.125%
HK$40,211
baseline
▲ 0.50% · 4.625%
HK$42,658
+HK$2,447/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,422/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,094
−HK$2,275/mo
▼ 0.25% · 3.875%
HK$43,223
−HK$1,146/mo
Today · 4.125%
HK$44,369
baseline
▲ 0.50% · 4.625%
HK$46,707
+HK$2,338/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,738/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,144
−HK$2,769/mo
▼ 0.25% · 3.875%
HK$45,518
−HK$1,395/mo
Today · 4.125%
HK$46,913
baseline
▲ 0.50% · 4.625%
HK$49,767
+HK$2,854/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,826/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,110
−HK$2,654/mo
▼ 0.25% · 3.875%
HK$50,427
−HK$1,337/mo
Today · 4.125%
HK$51,764
baseline
▲ 0.50% · 4.625%
HK$54,492
+HK$2,728/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,528/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,757
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,523
−HK$1,793/mo
Today · 4.125%
HK$60,316
baseline
▲ 0.50% · 4.625%
HK$63,986
+HK$3,670/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,632/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,556 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,142
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,835
−HK$1,718/mo
Today · 4.125%
HK$66,553
baseline
▲ 0.50% · 4.625%
HK$70,061
+HK$3,508/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,106/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,556 · Scale 2, in force from 26 Feb 2026)