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$31,583
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,565
−HK$998/mo
Today · 4.125%
HK$33,563
baseline
▲ 0.50% · 4.625%
HK$35,606
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,126/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,136
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,078
−HK$956/mo
Today · 4.125%
HK$37,034
baseline
▲ 0.50% · 4.625%
HK$38,986
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,068/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,899
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,078
−HK$1,198/mo
Today · 4.125%
HK$40,276
baseline
▲ 0.50% · 4.625%
HK$42,727
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,552/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,163
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,293
−HK$1,148/mo
Today · 4.125%
HK$44,441
baseline
▲ 0.50% · 4.625%
HK$46,783
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,882/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,216
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,591
−HK$1,398/mo
Today · 4.125%
HK$46,989
baseline
▲ 0.50% · 4.625%
HK$49,848
+HK$2,859/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$93,978/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,190
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,509
−HK$1,338/mo
Today · 4.125%
HK$51,847
baseline
▲ 0.50% · 4.625%
HK$54,580
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,694/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,849
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,617
−HK$1,797/mo
Today · 4.125%
HK$60,414
baseline
▲ 0.50% · 4.625%
HK$64,090
+HK$3,676/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,828/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,244
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,940
−HK$1,721/mo
Today · 4.125%
HK$66,661
baseline
▲ 0.50% · 4.625%
HK$70,175
+HK$3,514/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,322/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,395 · Scale 2, in force from 26 Feb 2026)