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$31,590
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,572
−HK$998/mo
Today · 4.125%
HK$33,570
baseline
▲ 0.50% · 4.625%
HK$35,613
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,140/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,143
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,086
−HK$956/mo
Today · 4.125%
HK$37,042
baseline
▲ 0.50% · 4.625%
HK$38,994
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,084/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,907
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,087
−HK$1,198/mo
Today · 4.125%
HK$40,285
baseline
▲ 0.50% · 4.625%
HK$42,736
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,570/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,172
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,303
−HK$1,147/mo
Today · 4.125%
HK$44,450
baseline
▲ 0.50% · 4.625%
HK$46,793
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,900/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,225
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,601
−HK$1,398/mo
Today · 4.125%
HK$46,999
baseline
▲ 0.50% · 4.625%
HK$49,858
+HK$2,859/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$93,998/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,200
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,520
−HK$1,338/mo
Today · 4.125%
HK$51,858
baseline
▲ 0.50% · 4.625%
HK$54,592
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,716/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,861
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,630
−HK$1,797/mo
Today · 4.125%
HK$60,427
baseline
▲ 0.50% · 4.625%
HK$64,104
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,854/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,257
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,954
−HK$1,721/mo
Today · 4.125%
HK$66,675
baseline
▲ 0.50% · 4.625%
HK$70,190
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,350/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,507 · Scale 2, in force from 26 Feb 2026)