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$31,561
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,543
−HK$998/mo
Today · 4.125%
HK$33,541
baseline
▲ 0.50% · 4.625%
HK$35,581
+HK$2,040/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,082/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,112
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,053
−HK$956/mo
Today · 4.125%
HK$37,009
baseline
▲ 0.50% · 4.625%
HK$38,959
+HK$1,950/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,018/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,874
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,052
−HK$1,197/mo
Today · 4.125%
HK$40,249
baseline
▲ 0.50% · 4.625%
HK$42,698
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,498/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,134
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,264
−HK$1,146/mo
Today · 4.125%
HK$44,410
baseline
▲ 0.50% · 4.625%
HK$46,751
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,820/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,186
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,560
−HK$1,397/mo
Today · 4.125%
HK$46,957
baseline
▲ 0.50% · 4.625%
HK$49,814
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,914/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,156
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,475
−HK$1,337/mo
Today · 4.125%
HK$51,812
baseline
▲ 0.50% · 4.625%
HK$54,543
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,624/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,810
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,578
−HK$1,795/mo
Today · 4.125%
HK$60,373
baseline
▲ 0.50% · 4.625%
HK$64,046
+HK$3,673/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,746/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,201
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,896
−HK$1,720/mo
Today · 4.125%
HK$66,616
baseline
▲ 0.50% · 4.625%
HK$70,127
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,232/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,043 · Scale 2, in force from 26 Feb 2026)