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$31,579
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,562
−HK$998/mo
Today · 4.125%
HK$33,560
baseline
▲ 0.50% · 4.625%
HK$35,602
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,120/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,132
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,074
−HK$956/mo
Today · 4.125%
HK$37,030
baseline
▲ 0.50% · 4.625%
HK$38,982
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,060/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,895
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,074
−HK$1,197/mo
Today · 4.125%
HK$40,271
baseline
▲ 0.50% · 4.625%
HK$42,722
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,542/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,158
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,289
−HK$1,147/mo
Today · 4.125%
HK$44,436
baseline
▲ 0.50% · 4.625%
HK$46,778
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,872/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,211
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,586
−HK$1,397/mo
Today · 4.125%
HK$46,983
baseline
▲ 0.50% · 4.625%
HK$49,842
+HK$2,859/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,966/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,184
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,503
−HK$1,338/mo
Today · 4.125%
HK$51,841
baseline
▲ 0.50% · 4.625%
HK$54,574
+HK$2,733/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,682/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,843
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,611
−HK$1,796/mo
Today · 4.125%
HK$60,407
baseline
▲ 0.50% · 4.625%
HK$64,083
+HK$3,676/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,814/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,237
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,933
−HK$1,720/mo
Today · 4.125%
HK$66,653
baseline
▲ 0.50% · 4.625%
HK$70,167
+HK$3,514/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,306/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,337 · Scale 2, in force from 26 Feb 2026)