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$31,566
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,548
−HK$997/mo
Today · 4.125%
HK$33,545
baseline
▲ 0.50% · 4.625%
HK$35,586
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,090/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,116
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,058
−HK$956/mo
Today · 4.125%
HK$37,014
baseline
▲ 0.50% · 4.625%
HK$38,965
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,028/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,879
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,057
−HK$1,197/mo
Today · 4.125%
HK$40,254
baseline
▲ 0.50% · 4.625%
HK$42,703
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,508/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,140
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,270
−HK$1,146/mo
Today · 4.125%
HK$44,416
baseline
▲ 0.50% · 4.625%
HK$46,758
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,832/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,192
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,567
−HK$1,396/mo
Today · 4.125%
HK$46,963
baseline
▲ 0.50% · 4.625%
HK$49,821
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,926/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,163
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,482
−HK$1,337/mo
Today · 4.125%
HK$51,819
baseline
▲ 0.50% · 4.625%
HK$54,551
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,638/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,818
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,586
−HK$1,795/mo
Today · 4.125%
HK$60,381
baseline
▲ 0.50% · 4.625%
HK$64,055
+HK$3,674/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,762/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,114 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,210
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,905
−HK$1,720/mo
Today · 4.125%
HK$66,625
baseline
▲ 0.50% · 4.625%
HK$70,137
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,250/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,114 · Scale 2, in force from 26 Feb 2026)