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$31,575
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$998/mo
Today · 4.125%
HK$33,555
baseline
▲ 0.50% · 4.625%
HK$35,597
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,110/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,127
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,069
−HK$956/mo
Today · 4.125%
HK$37,025
baseline
▲ 0.50% · 4.625%
HK$38,976
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,050/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,890
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,198/mo
Today · 4.125%
HK$40,266
baseline
▲ 0.50% · 4.625%
HK$42,716
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,532/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,152
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,283
−HK$1,146/mo
Today · 4.125%
HK$44,429
baseline
▲ 0.50% · 4.625%
HK$46,771
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,858/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,205
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,580
−HK$1,397/mo
Today · 4.125%
HK$46,977
baseline
▲ 0.50% · 4.625%
HK$49,835
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,954/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,177
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,496
−HK$1,338/mo
Today · 4.125%
HK$51,834
baseline
▲ 0.50% · 4.625%
HK$54,567
+HK$2,733/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,668/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,835
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,603
−HK$1,796/mo
Today · 4.125%
HK$60,399
baseline
▲ 0.50% · 4.625%
HK$64,074
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,798/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,228
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,924
−HK$1,720/mo
Today · 4.125%
HK$66,644
baseline
▲ 0.50% · 4.625%
HK$70,157
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,288/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,266 · Scale 2, in force from 26 Feb 2026)