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$31,584
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,566
−HK$998/mo
Today · 4.125%
HK$33,564
baseline
▲ 0.50% · 4.625%
HK$35,607
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,128/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,137
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,079
−HK$956/mo
Today · 4.125%
HK$37,035
baseline
▲ 0.50% · 4.625%
HK$38,987
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,070/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,900
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,079
−HK$1,198/mo
Today · 4.125%
HK$40,277
baseline
▲ 0.50% · 4.625%
HK$42,728
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,554/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,164
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,295
−HK$1,147/mo
Today · 4.125%
HK$44,442
baseline
▲ 0.50% · 4.625%
HK$46,784
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,884/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,217
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,593
−HK$1,397/mo
Today · 4.125%
HK$46,990
baseline
▲ 0.50% · 4.625%
HK$49,849
+HK$2,859/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$93,980/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,191
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,510
−HK$1,339/mo
Today · 4.125%
HK$51,849
baseline
▲ 0.50% · 4.625%
HK$54,582
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,698/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,851
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,619
−HK$1,797/mo
Today · 4.125%
HK$60,416
baseline
▲ 0.50% · 4.625%
HK$64,092
+HK$3,676/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,832/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,246
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,942
−HK$1,721/mo
Today · 4.125%
HK$66,663
baseline
▲ 0.50% · 4.625%
HK$70,177
+HK$3,514/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,326/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,411 · Scale 2, in force from 26 Feb 2026)