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$31,567
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,549
−HK$998/mo
Today · 4.125%
HK$33,547
baseline
▲ 0.50% · 4.625%
HK$35,588
+HK$2,041/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$519,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,118
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,060
−HK$956/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$519,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,881
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,059
−HK$1,197/mo
Today · 4.125%
HK$40,256
baseline
▲ 0.50% · 4.625%
HK$42,706
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,512/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,142
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,272
−HK$1,147/mo
Today · 4.125%
HK$44,419
baseline
▲ 0.50% · 4.625%
HK$46,760
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,838/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,194
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,569
−HK$1,397/mo
Today · 4.125%
HK$46,966
baseline
▲ 0.50% · 4.625%
HK$49,823
+HK$2,857/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$519,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,166
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,484
−HK$1,338/mo
Today · 4.125%
HK$51,822
baseline
▲ 0.50% · 4.625%
HK$54,553
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,644/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,821
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,589
−HK$1,795/mo
Today · 4.125%
HK$60,384
baseline
▲ 0.50% · 4.625%
HK$64,059
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,768/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,213
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,908
−HK$1,720/mo
Today · 4.125%
HK$66,628
baseline
▲ 0.50% · 4.625%
HK$70,140
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,256/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,141 · Scale 2, in force from 26 Feb 2026)