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$31,569
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,551
−HK$998/mo
Today · 4.125%
HK$33,549
baseline
▲ 0.50% · 4.625%
HK$35,590
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,098/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,120
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,062
−HK$956/mo
Today · 4.125%
HK$37,018
baseline
▲ 0.50% · 4.625%
HK$38,969
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,036/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,883
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,061
−HK$1,198/mo
Today · 4.125%
HK$40,259
baseline
▲ 0.50% · 4.625%
HK$42,708
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,518/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,144
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,275
−HK$1,146/mo
Today · 4.125%
HK$44,421
baseline
▲ 0.50% · 4.625%
HK$46,763
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,842/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,197
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,572
−HK$1,396/mo
Today · 4.125%
HK$46,968
baseline
▲ 0.50% · 4.625%
HK$49,826
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,936/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,168
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,487
−HK$1,338/mo
Today · 4.125%
HK$51,825
baseline
▲ 0.50% · 4.625%
HK$54,557
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,650/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,824
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,592
−HK$1,796/mo
Today · 4.125%
HK$60,388
baseline
▲ 0.50% · 4.625%
HK$64,062
+HK$3,674/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,776/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,217
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,912
−HK$1,720/mo
Today · 4.125%
HK$66,632
baseline
▲ 0.50% · 4.625%
HK$70,144
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,264/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,171 · Scale 2, in force from 26 Feb 2026)