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$31,597
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,580
−HK$998/mo
Today · 4.125%
HK$33,578
baseline
▲ 0.50% · 4.625%
HK$35,621
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,156/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,151
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,094
−HK$956/mo
Today · 4.125%
HK$37,050
baseline
▲ 0.50% · 4.625%
HK$39,003
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,100/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,916
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,095
−HK$1,199/mo
Today · 4.125%
HK$40,294
baseline
▲ 0.50% · 4.625%
HK$42,745
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,588/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,181
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,313
−HK$1,147/mo
Today · 4.125%
HK$44,460
baseline
▲ 0.50% · 4.625%
HK$46,804
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,920/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,235
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,611
−HK$1,398/mo
Today · 4.125%
HK$47,009
baseline
▲ 0.50% · 4.625%
HK$49,870
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,018/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,211
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,531
−HK$1,339/mo
Today · 4.125%
HK$51,870
baseline
▲ 0.50% · 4.625%
HK$54,604
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,740/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,874
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,643
−HK$1,798/mo
Today · 4.125%
HK$60,441
baseline
▲ 0.50% · 4.625%
HK$64,118
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,882/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,625 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,272
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,969
−HK$1,721/mo
Today · 4.125%
HK$66,690
baseline
▲ 0.50% · 4.625%
HK$70,206
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,380/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,625 · Scale 2, in force from 26 Feb 2026)