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$31,578
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,561
−HK$998/mo
Today · 4.125%
HK$33,559
baseline
▲ 0.50% · 4.625%
HK$35,601
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,118/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,131
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,073
−HK$956/mo
Today · 4.125%
HK$37,029
baseline
▲ 0.50% · 4.625%
HK$38,980
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,058/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,894
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,073
−HK$1,197/mo
Today · 4.125%
HK$40,270
baseline
▲ 0.50% · 4.625%
HK$42,721
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,540/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,157
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,287
−HK$1,147/mo
Today · 4.125%
HK$44,434
baseline
▲ 0.50% · 4.625%
HK$46,777
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,868/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,210
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,585
−HK$1,397/mo
Today · 4.125%
HK$46,982
baseline
▲ 0.50% · 4.625%
HK$49,841
+HK$2,859/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,964/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,183
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,502
−HK$1,338/mo
Today · 4.125%
HK$51,840
baseline
▲ 0.50% · 4.625%
HK$54,573
+HK$2,733/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,680/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,841
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,609
−HK$1,797/mo
Today · 4.125%
HK$60,406
baseline
▲ 0.50% · 4.625%
HK$64,081
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,812/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,323 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,235
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,931
−HK$1,721/mo
Today · 4.125%
HK$66,652
baseline
▲ 0.50% · 4.625%
HK$70,165
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,304/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,323 · Scale 2, in force from 26 Feb 2026)