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$31,599
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,582
−HK$999/mo
Today · 4.125%
HK$33,581
baseline
▲ 0.50% · 4.625%
HK$35,624
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,162/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,154
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,097
−HK$956/mo
Today · 4.125%
HK$37,053
baseline
▲ 0.50% · 4.625%
HK$39,006
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,106/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,919
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,098
−HK$1,199/mo
Today · 4.125%
HK$40,297
baseline
▲ 0.50% · 4.625%
HK$42,749
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,594/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,184
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,316
−HK$1,148/mo
Today · 4.125%
HK$44,464
baseline
▲ 0.50% · 4.625%
HK$46,807
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,928/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,239
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,615
−HK$1,398/mo
Today · 4.125%
HK$47,013
baseline
▲ 0.50% · 4.625%
HK$49,874
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,026/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,215
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,535
−HK$1,339/mo
Today · 4.125%
HK$51,874
baseline
▲ 0.50% · 4.625%
HK$54,609
+HK$2,735/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,748/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,878
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,648
−HK$1,797/mo
Today · 4.125%
HK$60,445
baseline
▲ 0.50% · 4.625%
HK$64,123
+HK$3,678/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,890/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,665 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,277
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,974
−HK$1,721/mo
Today · 4.125%
HK$66,695
baseline
▲ 0.50% · 4.625%
HK$70,211
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,390/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,665 · Scale 2, in force from 26 Feb 2026)