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$31,560
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,541
−HK$998/mo
Today · 4.125%
HK$33,539
baseline
▲ 0.50% · 4.625%
HK$35,579
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,078/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,110
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,051
−HK$956/mo
Today · 4.125%
HK$37,007
baseline
▲ 0.50% · 4.625%
HK$38,957
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,014/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,872
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,050
−HK$1,196/mo
Today · 4.125%
HK$40,246
baseline
▲ 0.50% · 4.625%
HK$42,695
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,492/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,132
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,262
−HK$1,146/mo
Today · 4.125%
HK$44,408
baseline
▲ 0.50% · 4.625%
HK$46,749
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,816/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,183
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,558
−HK$1,396/mo
Today · 4.125%
HK$46,954
baseline
▲ 0.50% · 4.625%
HK$49,811
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,908/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,154
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,472
−HK$1,337/mo
Today · 4.125%
HK$51,809
baseline
▲ 0.50% · 4.625%
HK$54,540
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,618/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,807
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,574
−HK$1,796/mo
Today · 4.125%
HK$60,370
baseline
▲ 0.50% · 4.625%
HK$64,043
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,740/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,197
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,892
−HK$1,720/mo
Today · 4.125%
HK$66,612
baseline
▲ 0.50% · 4.625%
HK$70,123
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,224/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,014 · Scale 2, in force from 26 Feb 2026)