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$31,576
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,559
−HK$998/mo
Today · 4.125%
HK$33,557
baseline
▲ 0.50% · 4.625%
HK$35,598
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,114/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,128
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,071
−HK$955/mo
Today · 4.125%
HK$37,026
baseline
▲ 0.50% · 4.625%
HK$38,978
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,052/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,892
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,070
−HK$1,198/mo
Today · 4.125%
HK$40,268
baseline
▲ 0.50% · 4.625%
HK$42,718
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,536/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,154
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,285
−HK$1,147/mo
Today · 4.125%
HK$44,432
baseline
▲ 0.50% · 4.625%
HK$46,774
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,864/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,207
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,582
−HK$1,397/mo
Today · 4.125%
HK$46,979
baseline
▲ 0.50% · 4.625%
HK$49,838
+HK$2,859/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,958/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,180
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,499
−HK$1,338/mo
Today · 4.125%
HK$51,837
baseline
▲ 0.50% · 4.625%
HK$54,569
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,674/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,838
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,606
−HK$1,796/mo
Today · 4.125%
HK$60,402
baseline
▲ 0.50% · 4.625%
HK$64,077
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,804/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,231
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,927
−HK$1,720/mo
Today · 4.125%
HK$66,647
baseline
▲ 0.50% · 4.625%
HK$70,160
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,294/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,291 · Scale 2, in force from 26 Feb 2026)