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$31,572
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,554
−HK$998/mo
Today · 4.125%
HK$33,552
baseline
▲ 0.50% · 4.625%
HK$35,593
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,104/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,123
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,065
−HK$956/mo
Today · 4.125%
HK$37,021
baseline
▲ 0.50% · 4.625%
HK$38,972
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,042/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,886
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,065
−HK$1,197/mo
Today · 4.125%
HK$40,262
baseline
▲ 0.50% · 4.625%
HK$42,712
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,524/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,148
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,278
−HK$1,147/mo
Today · 4.125%
HK$44,425
baseline
▲ 0.50% · 4.625%
HK$46,767
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,850/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,200
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,575
−HK$1,397/mo
Today · 4.125%
HK$46,972
baseline
▲ 0.50% · 4.625%
HK$49,830
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,944/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,173
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,491
−HK$1,338/mo
Today · 4.125%
HK$51,829
baseline
▲ 0.50% · 4.625%
HK$54,561
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,658/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,829
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,597
−HK$1,796/mo
Today · 4.125%
HK$60,393
baseline
▲ 0.50% · 4.625%
HK$64,068
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,786/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,222
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,917
−HK$1,720/mo
Today · 4.125%
HK$66,637
baseline
▲ 0.50% · 4.625%
HK$70,150
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,274/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,214 · Scale 2, in force from 26 Feb 2026)