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$31,595
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$999/mo
Today · 4.125%
HK$33,576
baseline
▲ 0.50% · 4.625%
HK$35,619
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,152/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,149
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,091
−HK$957/mo
Today · 4.125%
HK$37,048
baseline
▲ 0.50% · 4.625%
HK$39,000
+HK$1,952/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,096/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,914
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,093
−HK$1,198/mo
Today · 4.125%
HK$40,291
baseline
▲ 0.50% · 4.625%
HK$42,743
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,582/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,178
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,310
−HK$1,147/mo
Today · 4.125%
HK$44,457
baseline
▲ 0.50% · 4.625%
HK$46,801
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,914/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,232
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,608
−HK$1,398/mo
Today · 4.125%
HK$47,006
baseline
▲ 0.50% · 4.625%
HK$49,866
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,012/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,208
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,528
−HK$1,339/mo
Today · 4.125%
HK$51,867
baseline
▲ 0.50% · 4.625%
HK$54,601
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,734/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,870
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,639
−HK$1,798/mo
Today · 4.125%
HK$60,437
baseline
▲ 0.50% · 4.625%
HK$64,114
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,874/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,590 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,268
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,964
−HK$1,722/mo
Today · 4.125%
HK$66,686
baseline
▲ 0.50% · 4.625%
HK$70,201
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,372/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,590 · Scale 2, in force from 26 Feb 2026)