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$31,560
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,542
−HK$997/mo
Today · 4.125%
HK$33,539
baseline
▲ 0.50% · 4.625%
HK$35,580
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,078/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,110
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,052
−HK$955/mo
Today · 4.125%
HK$37,007
baseline
▲ 0.50% · 4.625%
HK$38,958
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,014/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,872
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,050
−HK$1,197/mo
Today · 4.125%
HK$40,247
baseline
▲ 0.50% · 4.625%
HK$42,696
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,494/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,132
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,262
−HK$1,147/mo
Today · 4.125%
HK$44,409
baseline
▲ 0.50% · 4.625%
HK$46,749
+HK$2,340/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,818/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,184
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,559
−HK$1,396/mo
Today · 4.125%
HK$46,955
baseline
▲ 0.50% · 4.625%
HK$49,812
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,910/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,154
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,473
−HK$1,337/mo
Today · 4.125%
HK$51,810
baseline
▲ 0.50% · 4.625%
HK$54,541
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,620/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,808
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,575
−HK$1,796/mo
Today · 4.125%
HK$60,371
baseline
▲ 0.50% · 4.625%
HK$64,044
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,742/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,023 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,199
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,894
−HK$1,719/mo
Today · 4.125%
HK$66,613
baseline
▲ 0.50% · 4.625%
HK$70,124
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,226/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,023 · Scale 2, in force from 26 Feb 2026)