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$31,568
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,550
−HK$997/mo
Today · 4.125%
HK$33,547
baseline
▲ 0.50% · 4.625%
HK$35,589
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,094/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,119
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,061
−HK$955/mo
Today · 4.125%
HK$37,016
baseline
▲ 0.50% · 4.625%
HK$38,967
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,032/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,881
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,060
−HK$1,197/mo
Today · 4.125%
HK$40,257
baseline
▲ 0.50% · 4.625%
HK$42,706
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,514/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,143
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,273
−HK$1,147/mo
Today · 4.125%
HK$44,420
baseline
▲ 0.50% · 4.625%
HK$46,761
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,840/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,195
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,570
−HK$1,396/mo
Today · 4.125%
HK$46,966
baseline
▲ 0.50% · 4.625%
HK$49,824
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,932/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,166
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,485
−HK$1,338/mo
Today · 4.125%
HK$51,823
baseline
▲ 0.50% · 4.625%
HK$54,554
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,646/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,822
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,590
−HK$1,795/mo
Today · 4.125%
HK$60,385
baseline
▲ 0.50% · 4.625%
HK$64,060
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,770/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,214
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,909
−HK$1,720/mo
Today · 4.125%
HK$66,629
baseline
▲ 0.50% · 4.625%
HK$70,141
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,258/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,150 · Scale 2, in force from 26 Feb 2026)