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$31,607
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,590
−HK$999/mo
Today · 4.125%
HK$33,589
baseline
▲ 0.50% · 4.625%
HK$35,633
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,178/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,162
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,105
−HK$957/mo
Today · 4.125%
HK$37,062
baseline
▲ 0.50% · 4.625%
HK$39,016
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,124/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,928
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,108
−HK$1,199/mo
Today · 4.125%
HK$40,307
baseline
▲ 0.50% · 4.625%
HK$42,759
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$80,614/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,195
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,326
−HK$1,148/mo
Today · 4.125%
HK$44,474
baseline
▲ 0.50% · 4.625%
HK$46,819
+HK$2,345/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$88,948/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,250
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,626
−HK$1,399/mo
Today · 4.125%
HK$47,025
baseline
▲ 0.50% · 4.625%
HK$49,886
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,050/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,227
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,548
−HK$1,339/mo
Today · 4.125%
HK$51,887
baseline
▲ 0.50% · 4.625%
HK$54,622
+HK$2,735/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,774/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,892
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,662
−HK$1,798/mo
Today · 4.125%
HK$60,460
baseline
▲ 0.50% · 4.625%
HK$64,139
+HK$3,679/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,920/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,292
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,990
−HK$1,722/mo
Today · 4.125%
HK$66,712
baseline
▲ 0.50% · 4.625%
HK$70,228
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,424/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,792 · Scale 2, in force from 26 Feb 2026)