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$31,599
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,582
−HK$998/mo
Today · 4.125%
HK$33,580
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,160/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,153
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,096
−HK$957/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,006
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,098
−HK$1,198/mo
Today · 4.125%
HK$40,296
baseline
▲ 0.50% · 4.625%
HK$42,748
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,592/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,184
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,315
−HK$1,148/mo
Today · 4.125%
HK$44,463
baseline
▲ 0.50% · 4.625%
HK$46,807
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,926/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,238
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,614
−HK$1,398/mo
Today · 4.125%
HK$47,012
baseline
▲ 0.50% · 4.625%
HK$49,873
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,024/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,215
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,535
−HK$1,339/mo
Today · 4.125%
HK$51,874
baseline
▲ 0.50% · 4.625%
HK$54,608
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,748/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,878
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,647
−HK$1,798/mo
Today · 4.125%
HK$60,445
baseline
▲ 0.50% · 4.625%
HK$64,122
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,890/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,276
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,973
−HK$1,722/mo
Today · 4.125%
HK$66,695
baseline
▲ 0.50% · 4.625%
HK$70,210
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,390/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,659 · Scale 2, in force from 26 Feb 2026)