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$31,614
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,597
−HK$999/mo
Today · 4.125%
HK$33,596
baseline
▲ 0.50% · 4.625%
HK$35,641
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,192/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,170
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,114
−HK$956/mo
Today · 4.125%
HK$37,070
baseline
▲ 0.50% · 4.625%
HK$39,024
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,140/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,937
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,117
−HK$1,199/mo
Today · 4.125%
HK$40,316
baseline
▲ 0.50% · 4.625%
HK$42,769
+HK$2,453/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,632/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,204
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,336
−HK$1,148/mo
Today · 4.125%
HK$44,484
baseline
▲ 0.50% · 4.625%
HK$46,829
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,968/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,260
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,636
−HK$1,399/mo
Today · 4.125%
HK$47,035
baseline
▲ 0.50% · 4.625%
HK$49,897
+HK$2,862/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,070/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,238
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,559
−HK$1,340/mo
Today · 4.125%
HK$51,899
baseline
▲ 0.50% · 4.625%
HK$54,634
+HK$2,735/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,798/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,905
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,675
−HK$1,799/mo
Today · 4.125%
HK$60,474
baseline
▲ 0.50% · 4.625%
HK$64,153
+HK$3,679/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,948/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,306
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,004
−HK$1,723/mo
Today · 4.125%
HK$66,727
baseline
▲ 0.50% · 4.625%
HK$70,244
+HK$3,517/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,454/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,909 · Scale 2, in force from 26 Feb 2026)