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$31,555
−HK$1,978/mo
▼ 0.25% · 3.875%
HK$32,536
−HK$997/mo
Today · 4.125%
HK$33,533
baseline
▲ 0.50% · 4.625%
HK$35,574
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,066/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,104
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,046
−HK$955/mo
Today · 4.125%
HK$37,001
baseline
▲ 0.50% · 4.625%
HK$38,951
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,002/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,866
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,043
−HK$1,197/mo
Today · 4.125%
HK$40,240
baseline
▲ 0.50% · 4.625%
HK$42,689
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,480/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,125
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,255
−HK$1,146/mo
Today · 4.125%
HK$44,401
baseline
▲ 0.50% · 4.625%
HK$46,741
+HK$2,340/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,802/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,176
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,551
−HK$1,396/mo
Today · 4.125%
HK$46,947
baseline
▲ 0.50% · 4.625%
HK$49,803
+HK$2,856/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,894/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,146
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,464
−HK$1,337/mo
Today · 4.125%
HK$51,801
baseline
▲ 0.50% · 4.625%
HK$54,532
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,602/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,798
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,565
−HK$1,795/mo
Today · 4.125%
HK$60,360
baseline
▲ 0.50% · 4.625%
HK$64,033
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,720/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,933 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,188
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,882
−HK$1,719/mo
Today · 4.125%
HK$66,601
baseline
▲ 0.50% · 4.625%
HK$70,112
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,202/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,933 · Scale 2, in force from 26 Feb 2026)