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$31,612
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,595
−HK$999/mo
Today · 4.125%
HK$33,594
baseline
▲ 0.50% · 4.625%
HK$35,639
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,188/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,168
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,111
−HK$957/mo
Today · 4.125%
HK$37,068
baseline
▲ 0.50% · 4.625%
HK$39,022
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,136/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,935
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,115
−HK$1,198/mo
Today · 4.125%
HK$40,313
baseline
▲ 0.50% · 4.625%
HK$42,766
+HK$2,453/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,626/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,202
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,334
−HK$1,148/mo
Today · 4.125%
HK$44,482
baseline
▲ 0.50% · 4.625%
HK$46,827
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,964/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,257
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,634
−HK$1,398/mo
Today · 4.125%
HK$47,032
baseline
▲ 0.50% · 4.625%
HK$49,894
+HK$2,862/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,064/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,235
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,556
−HK$1,339/mo
Today · 4.125%
HK$51,895
baseline
▲ 0.50% · 4.625%
HK$54,631
+HK$2,736/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,790/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,902
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,672
−HK$1,798/mo
Today · 4.125%
HK$60,470
baseline
▲ 0.50% · 4.625%
HK$64,150
+HK$3,680/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,940/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,303
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,000
−HK$1,723/mo
Today · 4.125%
HK$66,723
baseline
▲ 0.50% · 4.625%
HK$70,240
+HK$3,517/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,446/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,878 · Scale 2, in force from 26 Feb 2026)