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$31,604
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,587
−HK$998/mo
Today · 4.125%
HK$33,585
baseline
▲ 0.50% · 4.625%
HK$35,629
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,170/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,159
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,102
−HK$956/mo
Today · 4.125%
HK$37,058
baseline
▲ 0.50% · 4.625%
HK$39,011
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,116/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,924
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,104
−HK$1,198/mo
Today · 4.125%
HK$40,302
baseline
▲ 0.50% · 4.625%
HK$42,755
+HK$2,453/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$80,604/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,190
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,322
−HK$1,148/mo
Today · 4.125%
HK$44,470
baseline
▲ 0.50% · 4.625%
HK$46,814
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$88,940/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,245
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,621
−HK$1,398/mo
Today · 4.125%
HK$47,019
baseline
▲ 0.50% · 4.625%
HK$49,880
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,038/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,222
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,542
−HK$1,339/mo
Today · 4.125%
HK$51,881
baseline
▲ 0.50% · 4.625%
HK$54,616
+HK$2,735/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,762/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,886
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,656
−HK$1,798/mo
Today · 4.125%
HK$60,454
baseline
▲ 0.50% · 4.625%
HK$64,132
+HK$3,678/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,908/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,737 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,285
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,983
−HK$1,722/mo
Today · 4.125%
HK$66,705
baseline
▲ 0.50% · 4.625%
HK$70,221
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,410/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,737 · Scale 2, in force from 26 Feb 2026)