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$31,636
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,620
−HK$999/mo
Today · 4.125%
HK$33,619
baseline
▲ 0.50% · 4.625%
HK$35,665
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,238/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,194
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,138
−HK$958/mo
Today · 4.125%
HK$37,096
baseline
▲ 0.50% · 4.625%
HK$39,051
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,192/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,963
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,144
−HK$1,199/mo
Today · 4.125%
HK$40,343
baseline
▲ 0.50% · 4.625%
HK$42,798
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,686/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,233
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,366
−HK$1,149/mo
Today · 4.125%
HK$44,515
baseline
▲ 0.50% · 4.625%
HK$46,861
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,030/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,290
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,667
−HK$1,400/mo
Today · 4.125%
HK$47,067
baseline
▲ 0.50% · 4.625%
HK$49,931
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,134/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,272
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,593
−HK$1,341/mo
Today · 4.125%
HK$51,934
baseline
▲ 0.50% · 4.625%
HK$54,672
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,868/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,944
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,715
−HK$1,800/mo
Today · 4.125%
HK$60,515
baseline
▲ 0.50% · 4.625%
HK$64,197
+HK$3,682/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,030/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,350
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,049
−HK$1,723/mo
Today · 4.125%
HK$66,772
baseline
▲ 0.50% · 4.625%
HK$70,292
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,544/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,264 · Scale 2, in force from 26 Feb 2026)