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$31,559
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,540
−HK$998/mo
Today · 4.125%
HK$33,538
baseline
▲ 0.50% · 4.625%
HK$35,578
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,076/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,109
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,050
−HK$956/mo
Today · 4.125%
HK$37,006
baseline
▲ 0.50% · 4.625%
HK$38,956
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,012/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,871
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,049
−HK$1,196/mo
Today · 4.125%
HK$40,245
baseline
▲ 0.50% · 4.625%
HK$42,694
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,490/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,131
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,261
−HK$1,146/mo
Today · 4.125%
HK$44,407
baseline
▲ 0.50% · 4.625%
HK$46,748
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,814/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,182
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,557
−HK$1,396/mo
Today · 4.125%
HK$46,953
baseline
▲ 0.50% · 4.625%
HK$49,810
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,906/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,152
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,471
−HK$1,337/mo
Today · 4.125%
HK$51,808
baseline
▲ 0.50% · 4.625%
HK$54,539
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,616/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,806
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,573
−HK$1,795/mo
Today · 4.125%
HK$60,368
baseline
▲ 0.50% · 4.625%
HK$64,041
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,736/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,001 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,196
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,891
−HK$1,719/mo
Today · 4.125%
HK$66,610
baseline
▲ 0.50% · 4.625%
HK$70,121
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,220/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,001 · Scale 2, in force from 26 Feb 2026)