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$31,591
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,574
−HK$998/mo
Today · 4.125%
HK$33,572
baseline
▲ 0.50% · 4.625%
HK$35,615
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,144/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,145
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,087
−HK$956/mo
Today · 4.125%
HK$37,043
baseline
▲ 0.50% · 4.625%
HK$38,996
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,086/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,909
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,088
−HK$1,198/mo
Today · 4.125%
HK$40,286
baseline
▲ 0.50% · 4.625%
HK$42,738
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,572/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,174
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,305
−HK$1,147/mo
Today · 4.125%
HK$44,452
baseline
▲ 0.50% · 4.625%
HK$46,795
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,904/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,227
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,603
−HK$1,398/mo
Today · 4.125%
HK$47,001
baseline
▲ 0.50% · 4.625%
HK$49,861
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,002/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,202
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,522
−HK$1,339/mo
Today · 4.125%
HK$51,861
baseline
▲ 0.50% · 4.625%
HK$54,594
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,722/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,864
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,632
−HK$1,798/mo
Today · 4.125%
HK$60,430
baseline
▲ 0.50% · 4.625%
HK$64,107
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,860/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,260
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,957
−HK$1,721/mo
Today · 4.125%
HK$66,678
baseline
▲ 0.50% · 4.625%
HK$70,193
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,356/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,530 · Scale 2, in force from 26 Feb 2026)