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$31,600
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,583
−HK$999/mo
Today · 4.125%
HK$33,582
baseline
▲ 0.50% · 4.625%
HK$35,625
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,164/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,155
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,098
−HK$956/mo
Today · 4.125%
HK$37,054
baseline
▲ 0.50% · 4.625%
HK$39,007
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,108/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,920
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,100
−HK$1,198/mo
Today · 4.125%
HK$40,298
baseline
▲ 0.50% · 4.625%
HK$42,750
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,596/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,186
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,317
−HK$1,148/mo
Today · 4.125%
HK$44,465
baseline
▲ 0.50% · 4.625%
HK$46,809
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,930/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,240
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,617
−HK$1,398/mo
Today · 4.125%
HK$47,015
baseline
▲ 0.50% · 4.625%
HK$49,875
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,030/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,217
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,537
−HK$1,339/mo
Today · 4.125%
HK$51,876
baseline
▲ 0.50% · 4.625%
HK$54,610
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,752/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,880
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,650
−HK$1,797/mo
Today · 4.125%
HK$60,447
baseline
▲ 0.50% · 4.625%
HK$64,125
+HK$3,678/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,894/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,279
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,976
−HK$1,722/mo
Today · 4.125%
HK$66,698
baseline
▲ 0.50% · 4.625%
HK$70,213
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,396/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,683 · Scale 2, in force from 26 Feb 2026)