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$31,551
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,532
−HK$998/mo
Today · 4.125%
HK$33,530
baseline
▲ 0.50% · 4.625%
HK$35,570
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,060/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,100
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,042
−HK$955/mo
Today · 4.125%
HK$36,997
baseline
▲ 0.50% · 4.625%
HK$38,947
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$73,994/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,861
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,039
−HK$1,196/mo
Today · 4.125%
HK$40,235
baseline
▲ 0.50% · 4.625%
HK$42,684
+HK$2,449/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$80,470/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,120
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,250
−HK$1,146/mo
Today · 4.125%
HK$44,396
baseline
▲ 0.50% · 4.625%
HK$46,736
+HK$2,340/mo
Deposit HK$5.53M · loan HK$8.30M · min. income ≈ HK$88,792/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,171
−HK$2,770/mo
▼ 0.25% · 3.875%
HK$45,545
−HK$1,396/mo
Today · 4.125%
HK$46,941
baseline
▲ 0.50% · 4.625%
HK$49,798
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,882/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,140
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,458
−HK$1,337/mo
Today · 4.125%
HK$51,795
baseline
▲ 0.50% · 4.625%
HK$54,525
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,590/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,792
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,558
−HK$1,795/mo
Today · 4.125%
HK$60,353
baseline
▲ 0.50% · 4.625%
HK$64,026
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,706/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,873 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,180
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,875
−HK$1,719/mo
Today · 4.125%
HK$66,594
baseline
▲ 0.50% · 4.625%
HK$70,104
+HK$3,510/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,188/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,873 · Scale 2, in force from 26 Feb 2026)