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$31,581
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,563
−HK$998/mo
Today · 4.125%
HK$33,561
baseline
▲ 0.50% · 4.625%
HK$35,603
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,122/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,133
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,076
−HK$955/mo
Today · 4.125%
HK$37,031
baseline
▲ 0.50% · 4.625%
HK$38,983
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,062/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,897
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,076
−HK$1,197/mo
Today · 4.125%
HK$40,273
baseline
▲ 0.50% · 4.625%
HK$42,724
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,546/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,160
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,291
−HK$1,147/mo
Today · 4.125%
HK$44,438
baseline
▲ 0.50% · 4.625%
HK$46,780
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,876/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,213
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,588
−HK$1,398/mo
Today · 4.125%
HK$46,986
baseline
▲ 0.50% · 4.625%
HK$49,845
+HK$2,859/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,972/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,187
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,506
−HK$1,338/mo
Today · 4.125%
HK$51,844
baseline
▲ 0.50% · 4.625%
HK$54,577
+HK$2,733/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,688/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,845
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,614
−HK$1,796/mo
Today · 4.125%
HK$60,410
baseline
▲ 0.50% · 4.625%
HK$64,086
+HK$3,676/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,820/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,363 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,240
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,936
−HK$1,721/mo
Today · 4.125%
HK$66,657
baseline
▲ 0.50% · 4.625%
HK$70,170
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,314/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,363 · Scale 2, in force from 26 Feb 2026)