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$31,558
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,540
−HK$997/mo
Today · 4.125%
HK$33,537
baseline
▲ 0.50% · 4.625%
HK$35,578
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,074/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,108
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,049
−HK$956/mo
Today · 4.125%
HK$37,005
baseline
▲ 0.50% · 4.625%
HK$38,955
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,010/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,870
−HK$2,374/mo
▼ 0.25% · 3.875%
HK$39,047
−HK$1,197/mo
Today · 4.125%
HK$40,244
baseline
▲ 0.50% · 4.625%
HK$42,693
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,488/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,129
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,259
−HK$1,147/mo
Today · 4.125%
HK$44,406
baseline
▲ 0.50% · 4.625%
HK$46,746
+HK$2,340/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,812/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,181
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,555
−HK$1,397/mo
Today · 4.125%
HK$46,952
baseline
▲ 0.50% · 4.625%
HK$49,809
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,904/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,151
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,469
−HK$1,338/mo
Today · 4.125%
HK$51,807
baseline
▲ 0.50% · 4.625%
HK$54,537
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,614/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,804
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,571
−HK$1,795/mo
Today · 4.125%
HK$60,366
baseline
▲ 0.50% · 4.625%
HK$64,040
+HK$3,674/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,732/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,194
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,889
−HK$1,719/mo
Today · 4.125%
HK$66,608
baseline
▲ 0.50% · 4.625%
HK$70,119
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,216/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,987 · Scale 2, in force from 26 Feb 2026)