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$31,606
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,589
−HK$999/mo
Today · 4.125%
HK$33,588
baseline
▲ 0.50% · 4.625%
HK$35,632
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,176/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,161
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,104
−HK$957/mo
Today · 4.125%
HK$37,061
baseline
▲ 0.50% · 4.625%
HK$39,015
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,122/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,927
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,107
−HK$1,199/mo
Today · 4.125%
HK$40,306
baseline
▲ 0.50% · 4.625%
HK$42,758
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$80,612/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,194
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,325
−HK$1,148/mo
Today · 4.125%
HK$44,473
baseline
▲ 0.50% · 4.625%
HK$46,818
+HK$2,345/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$88,946/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,249
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,625
−HK$1,398/mo
Today · 4.125%
HK$47,023
baseline
▲ 0.50% · 4.625%
HK$49,885
+HK$2,862/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,046/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,226
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,546
−HK$1,340/mo
Today · 4.125%
HK$51,886
baseline
▲ 0.50% · 4.625%
HK$54,621
+HK$2,735/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,772/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,891
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,661
−HK$1,798/mo
Today · 4.125%
HK$60,459
baseline
▲ 0.50% · 4.625%
HK$64,137
+HK$3,678/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,918/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,779 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,291
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,988
−HK$1,722/mo
Today · 4.125%
HK$66,710
baseline
▲ 0.50% · 4.625%
HK$70,226
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,420/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,779 · Scale 2, in force from 26 Feb 2026)