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$31,545
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,526
−HK$997/mo
Today · 4.125%
HK$33,523
baseline
▲ 0.50% · 4.625%
HK$35,563
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,046/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,094
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,035
−HK$955/mo
Today · 4.125%
HK$36,990
baseline
▲ 0.50% · 4.625%
HK$38,939
+HK$1,949/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,980/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,854
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,032
−HK$1,196/mo
Today · 4.125%
HK$40,228
baseline
▲ 0.50% · 4.625%
HK$42,676
+HK$2,448/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,456/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,112
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,242
−HK$1,146/mo
Today · 4.125%
HK$44,388
baseline
▲ 0.50% · 4.625%
HK$46,727
+HK$2,339/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,776/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,163
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,537
−HK$1,396/mo
Today · 4.125%
HK$46,933
baseline
▲ 0.50% · 4.625%
HK$49,788
+HK$2,855/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$93,866/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,449
−HK$1,337/mo
Today · 4.125%
HK$51,786
baseline
▲ 0.50% · 4.625%
HK$54,515
+HK$2,729/mo
Deposit HK$4.15M · loan HK$9.68M · min. income ≈ HK$103,572/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,781
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,548
−HK$1,794/mo
Today · 4.125%
HK$60,342
baseline
▲ 0.50% · 4.625%
HK$64,014
+HK$3,672/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,684/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,169
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,863
−HK$1,718/mo
Today · 4.125%
HK$66,581
baseline
▲ 0.50% · 4.625%
HK$70,091
+HK$3,510/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,162/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,778 · Scale 2, in force from 26 Feb 2026)