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$31,593
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,575
−HK$999/mo
Today · 4.125%
HK$33,574
baseline
▲ 0.50% · 4.625%
HK$35,617
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,148/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,147
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,089
−HK$956/mo
Today · 4.125%
HK$37,045
baseline
▲ 0.50% · 4.625%
HK$38,998
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,090/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,911
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,090
−HK$1,199/mo
Today · 4.125%
HK$40,289
baseline
▲ 0.50% · 4.625%
HK$42,740
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,578/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,176
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,307
−HK$1,147/mo
Today · 4.125%
HK$44,454
baseline
▲ 0.50% · 4.625%
HK$46,798
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,908/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,230
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,606
−HK$1,397/mo
Today · 4.125%
HK$47,003
baseline
▲ 0.50% · 4.625%
HK$49,863
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,006/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,205
−HK$2,659/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,339/mo
Today · 4.125%
HK$51,864
baseline
▲ 0.50% · 4.625%
HK$54,597
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,728/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,867
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,636
−HK$1,797/mo
Today · 4.125%
HK$60,433
baseline
▲ 0.50% · 4.625%
HK$64,110
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,866/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,264
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,960
−HK$1,722/mo
Today · 4.125%
HK$66,682
baseline
▲ 0.50% · 4.625%
HK$70,197
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,364/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,558 · Scale 2, in force from 26 Feb 2026)