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$31,590
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,573
−HK$998/mo
Today · 4.125%
HK$33,571
baseline
▲ 0.50% · 4.625%
HK$35,614
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,142/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,144
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,086
−HK$957/mo
Today · 4.125%
HK$37,043
baseline
▲ 0.50% · 4.625%
HK$38,995
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,086/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,908
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,088
−HK$1,198/mo
Today · 4.125%
HK$40,286
baseline
▲ 0.50% · 4.625%
HK$42,737
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,572/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,173
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,304
−HK$1,147/mo
Today · 4.125%
HK$44,451
baseline
▲ 0.50% · 4.625%
HK$46,794
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,902/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,226
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,602
−HK$1,398/mo
Today · 4.125%
HK$47,000
baseline
▲ 0.50% · 4.625%
HK$49,860
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,000/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,201
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,521
−HK$1,339/mo
Today · 4.125%
HK$51,860
baseline
▲ 0.50% · 4.625%
HK$54,593
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,720/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,863
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,631
−HK$1,797/mo
Today · 4.125%
HK$60,428
baseline
▲ 0.50% · 4.625%
HK$64,105
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,856/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,519 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,259
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,956
−HK$1,721/mo
Today · 4.125%
HK$66,677
baseline
▲ 0.50% · 4.625%
HK$70,191
+HK$3,514/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,354/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,519 · Scale 2, in force from 26 Feb 2026)