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$31,570
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,552
−HK$997/mo
Today · 4.125%
HK$33,549
baseline
▲ 0.50% · 4.625%
HK$35,591
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,098/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,121
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,063
−HK$955/mo
Today · 4.125%
HK$37,018
baseline
▲ 0.50% · 4.625%
HK$38,970
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,036/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,884
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,062
−HK$1,197/mo
Today · 4.125%
HK$40,259
baseline
▲ 0.50% · 4.625%
HK$42,709
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,518/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,145
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,276
−HK$1,146/mo
Today · 4.125%
HK$44,422
baseline
▲ 0.50% · 4.625%
HK$46,764
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,844/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,198
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,572
−HK$1,397/mo
Today · 4.125%
HK$46,969
baseline
▲ 0.50% · 4.625%
HK$49,827
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,938/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,169
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,488
−HK$1,338/mo
Today · 4.125%
HK$51,826
baseline
▲ 0.50% · 4.625%
HK$54,558
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,652/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,825
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,593
−HK$1,796/mo
Today · 4.125%
HK$60,389
baseline
▲ 0.50% · 4.625%
HK$64,063
+HK$3,674/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,778/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,218
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,913
−HK$1,720/mo
Today · 4.125%
HK$66,633
baseline
▲ 0.50% · 4.625%
HK$70,146
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,266/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,181 · Scale 2, in force from 26 Feb 2026)