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$31,567
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$997/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,587
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,118
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,059
−HK$956/mo
Today · 4.125%
HK$37,015
baseline
▲ 0.50% · 4.625%
HK$38,966
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,030/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,880
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,197/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,705
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,141
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,271
−HK$1,147/mo
Today · 4.125%
HK$44,418
baseline
▲ 0.50% · 4.625%
HK$46,759
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,836/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,568
−HK$1,397/mo
Today · 4.125%
HK$46,965
baseline
▲ 0.50% · 4.625%
HK$49,822
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,930/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,165
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,483
−HK$1,338/mo
Today · 4.125%
HK$51,821
baseline
▲ 0.50% · 4.625%
HK$54,552
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,642/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,820
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,587
−HK$1,796/mo
Today · 4.125%
HK$60,383
baseline
▲ 0.50% · 4.625%
HK$64,057
+HK$3,674/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,766/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,212
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,907
−HK$1,720/mo
Today · 4.125%
HK$66,627
baseline
▲ 0.50% · 4.625%
HK$70,139
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,254/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,131 · Scale 2, in force from 26 Feb 2026)