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$31,594
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,577
−HK$998/mo
Today · 4.125%
HK$33,575
baseline
▲ 0.50% · 4.625%
HK$35,618
+HK$2,043/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,150/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,148
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,090
−HK$957/mo
Today · 4.125%
HK$37,047
baseline
▲ 0.50% · 4.625%
HK$39,000
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,094/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,913
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,092
−HK$1,198/mo
Today · 4.125%
HK$40,290
baseline
▲ 0.50% · 4.625%
HK$42,742
+HK$2,452/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,580/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,177
−HK$2,279/mo
▼ 0.25% · 3.875%
HK$43,309
−HK$1,147/mo
Today · 4.125%
HK$44,456
baseline
▲ 0.50% · 4.625%
HK$46,799
+HK$2,343/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,912/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,231
−HK$2,774/mo
▼ 0.25% · 3.875%
HK$45,607
−HK$1,398/mo
Today · 4.125%
HK$47,005
baseline
▲ 0.50% · 4.625%
HK$49,865
+HK$2,860/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,010/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,207
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,527
−HK$1,338/mo
Today · 4.125%
HK$51,865
baseline
▲ 0.50% · 4.625%
HK$54,599
+HK$2,734/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,730/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,869
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,638
−HK$1,797/mo
Today · 4.125%
HK$60,435
baseline
▲ 0.50% · 4.625%
HK$64,112
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,870/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,577 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,266
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,963
−HK$1,721/mo
Today · 4.125%
HK$66,684
baseline
▲ 0.50% · 4.625%
HK$70,199
+HK$3,515/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,368/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,577 · Scale 2, in force from 26 Feb 2026)