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$31,586
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,568
−HK$998/mo
Today · 4.125%
HK$33,566
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,132/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,139
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,081
−HK$956/mo
Today · 4.125%
HK$37,037
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,074/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,903
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,082
−HK$1,197/mo
Today · 4.125%
HK$40,279
baseline
▲ 0.50% · 4.625%
HK$42,730
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,558/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,166
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,297
−HK$1,147/mo
Today · 4.125%
HK$44,444
baseline
▲ 0.50% · 4.625%
HK$46,787
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,888/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,220
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,595
−HK$1,398/mo
Today · 4.125%
HK$46,993
baseline
▲ 0.50% · 4.625%
HK$49,852
+HK$2,859/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$93,986/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,194
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,513
−HK$1,339/mo
Today · 4.125%
HK$51,852
baseline
▲ 0.50% · 4.625%
HK$54,585
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,704/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,854
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,622
−HK$1,797/mo
Today · 4.125%
HK$60,419
baseline
▲ 0.50% · 4.625%
HK$64,096
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,838/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,250
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,946
−HK$1,721/mo
Today · 4.125%
HK$66,667
baseline
▲ 0.50% · 4.625%
HK$70,181
+HK$3,514/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,334/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,441 · Scale 2, in force from 26 Feb 2026)