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$31,632
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,616
−HK$999/mo
Today · 4.125%
HK$33,615
baseline
▲ 0.50% · 4.625%
HK$35,661
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,230/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,190
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,134
−HK$957/mo
Today · 4.125%
HK$37,091
baseline
▲ 0.50% · 4.625%
HK$39,046
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,182/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,958
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,139
−HK$1,199/mo
Today · 4.125%
HK$40,338
baseline
▲ 0.50% · 4.625%
HK$42,793
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,676/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,228
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,361
−HK$1,149/mo
Today · 4.125%
HK$44,510
baseline
▲ 0.50% · 4.625%
HK$46,856
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,020/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,285
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,662
−HK$1,400/mo
Today · 4.125%
HK$47,062
baseline
▲ 0.50% · 4.625%
HK$49,925
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,124/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,266
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,587
−HK$1,341/mo
Today · 4.125%
HK$51,928
baseline
▲ 0.50% · 4.625%
HK$54,665
+HK$2,737/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,856/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,937
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,708
−HK$1,800/mo
Today · 4.125%
HK$60,508
baseline
▲ 0.50% · 4.625%
HK$64,189
+HK$3,681/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$121,016/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,202 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,342
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,041
−HK$1,723/mo
Today · 4.125%
HK$66,764
baseline
▲ 0.50% · 4.625%
HK$70,284
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,528/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,202 · Scale 2, in force from 26 Feb 2026)