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$31,579
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,561
−HK$998/mo
Today · 4.125%
HK$33,559
baseline
▲ 0.50% · 4.625%
HK$35,601
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,118/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,131
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,073
−HK$956/mo
Today · 4.125%
HK$37,029
baseline
▲ 0.50% · 4.625%
HK$38,981
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,058/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,198/mo
Today · 4.125%
HK$40,271
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,542/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,157
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,288
−HK$1,147/mo
Today · 4.125%
HK$44,435
baseline
▲ 0.50% · 4.625%
HK$46,777
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,870/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,210
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,585
−HK$1,398/mo
Today · 4.125%
HK$46,983
baseline
▲ 0.50% · 4.625%
HK$49,841
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,966/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,183
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,503
−HK$1,338/mo
Today · 4.125%
HK$51,841
baseline
▲ 0.50% · 4.625%
HK$54,573
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,682/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,842
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,610
−HK$1,796/mo
Today · 4.125%
HK$60,406
baseline
▲ 0.50% · 4.625%
HK$64,082
+HK$3,676/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,812/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,236
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,932
−HK$1,720/mo
Today · 4.125%
HK$66,652
baseline
▲ 0.50% · 4.625%
HK$70,166
+HK$3,514/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,304/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,329 · Scale 2, in force from 26 Feb 2026)