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$31,556
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,538
−HK$997/mo
Today · 4.125%
HK$33,535
baseline
▲ 0.50% · 4.625%
HK$35,575
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,070/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,106
−HK$1,896/mo
▼ 0.25% · 3.875%
HK$36,047
−HK$955/mo
Today · 4.125%
HK$37,002
baseline
▲ 0.50% · 4.625%
HK$38,953
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,004/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,867
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,045
−HK$1,197/mo
Today · 4.125%
HK$40,242
baseline
▲ 0.50% · 4.625%
HK$42,690
+HK$2,448/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,484/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,127
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,257
−HK$1,146/mo
Today · 4.125%
HK$44,403
baseline
▲ 0.50% · 4.625%
HK$46,743
+HK$2,340/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,806/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,178
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,553
−HK$1,396/mo
Today · 4.125%
HK$46,949
baseline
▲ 0.50% · 4.625%
HK$49,806
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,898/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,148
−HK$2,655/mo
▼ 0.25% · 3.875%
HK$50,466
−HK$1,337/mo
Today · 4.125%
HK$51,803
baseline
▲ 0.50% · 4.625%
HK$54,534
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,606/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,801
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,568
−HK$1,795/mo
Today · 4.125%
HK$60,363
baseline
▲ 0.50% · 4.625%
HK$64,036
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$120,726/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,190
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,885
−HK$1,719/mo
Today · 4.125%
HK$66,604
baseline
▲ 0.50% · 4.625%
HK$70,115
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.45M · min. income ≈ HK$133,208/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,956 · Scale 2, in force from 26 Feb 2026)