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$31,574
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,557
−HK$997/mo
Today · 4.125%
HK$33,554
baseline
▲ 0.50% · 4.625%
HK$35,596
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,108/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,126
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,068
−HK$956/mo
Today · 4.125%
HK$37,024
baseline
▲ 0.50% · 4.625%
HK$38,976
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,048/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,889
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,068
−HK$1,197/mo
Today · 4.125%
HK$40,265
baseline
▲ 0.50% · 4.625%
HK$42,715
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,530/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,152
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,282
−HK$1,147/mo
Today · 4.125%
HK$44,429
baseline
▲ 0.50% · 4.625%
HK$46,771
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,858/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,204
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,579
−HK$1,397/mo
Today · 4.125%
HK$46,976
baseline
▲ 0.50% · 4.625%
HK$49,835
+HK$2,859/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,952/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,177
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,496
−HK$1,338/mo
Today · 4.125%
HK$51,834
baseline
▲ 0.50% · 4.625%
HK$54,566
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,668/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,834
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,602
−HK$1,796/mo
Today · 4.125%
HK$60,398
baseline
▲ 0.50% · 4.625%
HK$64,073
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,796/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,227
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,923
−HK$1,720/mo
Today · 4.125%
HK$66,643
baseline
▲ 0.50% · 4.625%
HK$70,156
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,286/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,259 · Scale 2, in force from 26 Feb 2026)