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$31,602
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,585
−HK$999/mo
Today · 4.125%
HK$33,584
baseline
▲ 0.50% · 4.625%
HK$35,628
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,168/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,157
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,100
−HK$957/mo
Today · 4.125%
HK$37,057
baseline
▲ 0.50% · 4.625%
HK$39,010
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,114/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,923
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,103
−HK$1,198/mo
Today · 4.125%
HK$40,301
baseline
▲ 0.50% · 4.625%
HK$42,753
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$80,602/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,189
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,320
−HK$1,148/mo
Today · 4.125%
HK$44,468
baseline
▲ 0.50% · 4.625%
HK$46,812
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$88,936/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,243
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,620
−HK$1,398/mo
Today · 4.125%
HK$47,018
baseline
▲ 0.50% · 4.625%
HK$49,879
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,036/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,220
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,540
−HK$1,340/mo
Today · 4.125%
HK$51,880
baseline
▲ 0.50% · 4.625%
HK$54,614
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,760/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,884
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,654
−HK$1,798/mo
Today · 4.125%
HK$60,452
baseline
▲ 0.50% · 4.625%
HK$64,130
+HK$3,678/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,904/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,283
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,981
−HK$1,721/mo
Today · 4.125%
HK$66,702
baseline
▲ 0.50% · 4.625%
HK$70,218
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,404/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,719 · Scale 2, in force from 26 Feb 2026)