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$31,592
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,575
−HK$999/mo
Today · 4.125%
HK$33,574
baseline
▲ 0.50% · 4.625%
HK$35,616
+HK$2,042/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,148/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,146
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,089
−HK$956/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$38,998
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,911
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,090
−HK$1,198/mo
Today · 4.125%
HK$40,288
baseline
▲ 0.50% · 4.625%
HK$42,740
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,576/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,176
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,307
−HK$1,147/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$46,797
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,229
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,605
−HK$1,398/mo
Today · 4.125%
HK$47,003
baseline
▲ 0.50% · 4.625%
HK$49,863
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,006/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,205
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,524
−HK$1,339/mo
Today · 4.125%
HK$51,863
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,726/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,866
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,635
−HK$1,797/mo
Today · 4.125%
HK$60,432
baseline
▲ 0.50% · 4.625%
HK$64,110
+HK$3,678/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,864/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,263
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,960
−HK$1,721/mo
Today · 4.125%
HK$66,681
baseline
▲ 0.50% · 4.625%
HK$70,196
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,362/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,554 · Scale 2, in force from 26 Feb 2026)