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$31,604
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,588
−HK$998/mo
Today · 4.125%
HK$33,586
baseline
▲ 0.50% · 4.625%
HK$35,630
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,172/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,160
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,103
−HK$956/mo
Today · 4.125%
HK$37,059
baseline
▲ 0.50% · 4.625%
HK$39,013
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,118/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,925
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,105
−HK$1,199/mo
Today · 4.125%
HK$40,304
baseline
▲ 0.50% · 4.625%
HK$42,756
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$80,608/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,192
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,323
−HK$1,148/mo
Today · 4.125%
HK$44,471
baseline
▲ 0.50% · 4.625%
HK$46,815
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$88,942/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,246
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,623
−HK$1,398/mo
Today · 4.125%
HK$47,021
baseline
▲ 0.50% · 4.625%
HK$49,882
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,042/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,223
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,544
−HK$1,339/mo
Today · 4.125%
HK$51,883
baseline
▲ 0.50% · 4.625%
HK$54,618
+HK$2,735/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,766/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,888
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,658
−HK$1,797/mo
Today · 4.125%
HK$60,455
baseline
▲ 0.50% · 4.625%
HK$64,134
+HK$3,679/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,910/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,752 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,287
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,985
−HK$1,722/mo
Today · 4.125%
HK$66,707
baseline
▲ 0.50% · 4.625%
HK$70,223
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,414/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,752 · Scale 2, in force from 26 Feb 2026)