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$31,598
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,581
−HK$998/mo
Today · 4.125%
HK$33,579
baseline
▲ 0.50% · 4.625%
HK$35,622
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,158/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,152
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,095
−HK$956/mo
Today · 4.125%
HK$37,051
baseline
▲ 0.50% · 4.625%
HK$39,004
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,102/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,917
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,097
−HK$1,198/mo
Today · 4.125%
HK$40,295
baseline
▲ 0.50% · 4.625%
HK$42,747
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,590/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,182
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,314
−HK$1,147/mo
Today · 4.125%
HK$44,461
baseline
▲ 0.50% · 4.625%
HK$46,805
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,922/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,237
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,613
−HK$1,398/mo
Today · 4.125%
HK$47,011
baseline
▲ 0.50% · 4.625%
HK$49,871
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,022/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,213
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,533
−HK$1,339/mo
Today · 4.125%
HK$51,872
baseline
▲ 0.50% · 4.625%
HK$54,606
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,744/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,876
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,645
−HK$1,797/mo
Today · 4.125%
HK$60,442
baseline
▲ 0.50% · 4.625%
HK$64,120
+HK$3,678/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,884/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,640 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,274
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,971
−HK$1,721/mo
Today · 4.125%
HK$66,692
baseline
▲ 0.50% · 4.625%
HK$70,208
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,384/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,640 · Scale 2, in force from 26 Feb 2026)