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$31,586
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,568
−HK$999/mo
Today · 4.125%
HK$33,567
baseline
▲ 0.50% · 4.625%
HK$35,609
+HK$2,042/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,134/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,139
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,082
−HK$956/mo
Today · 4.125%
HK$37,038
baseline
▲ 0.50% · 4.625%
HK$38,990
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,076/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,903
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,082
−HK$1,198/mo
Today · 4.125%
HK$40,280
baseline
▲ 0.50% · 4.625%
HK$42,731
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,560/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,167
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,298
−HK$1,147/mo
Today · 4.125%
HK$44,445
baseline
▲ 0.50% · 4.625%
HK$46,788
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,890/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,220
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,596
−HK$1,397/mo
Today · 4.125%
HK$46,993
baseline
▲ 0.50% · 4.625%
HK$49,853
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$93,986/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,195
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,514
−HK$1,339/mo
Today · 4.125%
HK$51,853
baseline
▲ 0.50% · 4.625%
HK$54,586
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,706/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,855
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,623
−HK$1,797/mo
Today · 4.125%
HK$60,420
baseline
▲ 0.50% · 4.625%
HK$64,096
+HK$3,676/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,840/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,448 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,250
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,947
−HK$1,721/mo
Today · 4.125%
HK$66,668
baseline
▲ 0.50% · 4.625%
HK$70,182
+HK$3,514/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,336/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,448 · Scale 2, in force from 26 Feb 2026)