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$31,582
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,564
−HK$998/mo
Today · 4.125%
HK$33,562
baseline
▲ 0.50% · 4.625%
HK$35,604
+HK$2,042/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,124/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,134
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,077
−HK$956/mo
Today · 4.125%
HK$37,033
baseline
▲ 0.50% · 4.625%
HK$38,985
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,066/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,898
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,077
−HK$1,198/mo
Today · 4.125%
HK$40,275
baseline
▲ 0.50% · 4.625%
HK$42,725
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,550/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,161
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,292
−HK$1,147/mo
Today · 4.125%
HK$44,439
baseline
▲ 0.50% · 4.625%
HK$46,782
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,878/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,214
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,590
−HK$1,397/mo
Today · 4.125%
HK$46,987
baseline
▲ 0.50% · 4.625%
HK$49,846
+HK$2,859/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$93,974/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,188
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,507
−HK$1,339/mo
Today · 4.125%
HK$51,846
baseline
▲ 0.50% · 4.625%
HK$54,579
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,692/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,847
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,615
−HK$1,797/mo
Today · 4.125%
HK$60,412
baseline
▲ 0.50% · 4.625%
HK$64,088
+HK$3,676/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,824/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,379 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,242
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,938
−HK$1,721/mo
Today · 4.125%
HK$66,659
baseline
▲ 0.50% · 4.625%
HK$70,172
+HK$3,513/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,318/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,379 · Scale 2, in force from 26 Feb 2026)