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$31,604
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,587
−HK$999/mo
Today · 4.125%
HK$33,586
baseline
▲ 0.50% · 4.625%
HK$35,630
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,172/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,159
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,102
−HK$957/mo
Today · 4.125%
HK$37,059
baseline
▲ 0.50% · 4.625%
HK$39,012
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,118/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,925
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,105
−HK$1,198/mo
Today · 4.125%
HK$40,303
baseline
▲ 0.50% · 4.625%
HK$42,756
+HK$2,453/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$80,606/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,191
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,323
−HK$1,148/mo
Today · 4.125%
HK$44,471
baseline
▲ 0.50% · 4.625%
HK$46,815
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$88,942/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,246
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,622
−HK$1,399/mo
Today · 4.125%
HK$47,021
baseline
▲ 0.50% · 4.625%
HK$49,882
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,042/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,223
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,543
−HK$1,340/mo
Today · 4.125%
HK$51,883
baseline
▲ 0.50% · 4.625%
HK$54,617
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,766/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,888
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,657
−HK$1,798/mo
Today · 4.125%
HK$60,455
baseline
▲ 0.50% · 4.625%
HK$64,134
+HK$3,679/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,910/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,287
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,984
−HK$1,722/mo
Today · 4.125%
HK$66,706
baseline
▲ 0.50% · 4.625%
HK$70,222
+HK$3,516/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,412/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,750 · Scale 2, in force from 26 Feb 2026)