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$31,626
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$999/mo
Today · 4.125%
HK$33,609
baseline
▲ 0.50% · 4.625%
HK$35,654
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,218/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,184
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,127
−HK$957/mo
Today · 4.125%
HK$37,084
baseline
▲ 0.50% · 4.625%
HK$39,039
+HK$1,955/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,168/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,951
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,132
−HK$1,199/mo
Today · 4.125%
HK$40,331
baseline
▲ 0.50% · 4.625%
HK$42,785
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,662/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,220
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,353
−HK$1,148/mo
Today · 4.125%
HK$44,501
baseline
▲ 0.50% · 4.625%
HK$46,847
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,002/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,276
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,654
−HK$1,399/mo
Today · 4.125%
HK$47,053
baseline
▲ 0.50% · 4.625%
HK$49,916
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,106/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,257
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,578
−HK$1,340/mo
Today · 4.125%
HK$51,918
baseline
▲ 0.50% · 4.625%
HK$54,655
+HK$2,737/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,836/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,927
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,698
−HK$1,799/mo
Today · 4.125%
HK$60,497
baseline
▲ 0.50% · 4.625%
HK$64,178
+HK$3,681/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,994/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,330
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,029
−HK$1,723/mo
Today · 4.125%
HK$66,752
baseline
▲ 0.50% · 4.625%
HK$70,271
+HK$3,519/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,504/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,106 · Scale 2, in force from 26 Feb 2026)