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$31,610
−HK$1,982/mo
▼ 0.25% · 3.875%
HK$32,593
−HK$999/mo
Today · 4.125%
HK$33,592
baseline
▲ 0.50% · 4.625%
HK$35,636
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,184/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,166
−HK$1,899/mo
▼ 0.25% · 3.875%
HK$36,109
−HK$956/mo
Today · 4.125%
HK$37,065
baseline
▲ 0.50% · 4.625%
HK$39,019
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,130/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,932
−HK$2,378/mo
▼ 0.25% · 3.875%
HK$39,112
−HK$1,198/mo
Today · 4.125%
HK$40,310
baseline
▲ 0.50% · 4.625%
HK$42,763
+HK$2,453/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$80,620/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,199
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,330
−HK$1,149/mo
Today · 4.125%
HK$44,479
baseline
▲ 0.50% · 4.625%
HK$46,823
+HK$2,344/mo
Deposit HK$5.54M · loan HK$8.32M · min. income ≈ HK$88,958/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,254
−HK$2,775/mo
▼ 0.25% · 3.875%
HK$45,630
−HK$1,399/mo
Today · 4.125%
HK$47,029
baseline
▲ 0.50% · 4.625%
HK$49,890
+HK$2,861/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$94,058/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,232
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,552
−HK$1,340/mo
Today · 4.125%
HK$51,892
baseline
▲ 0.50% · 4.625%
HK$54,627
+HK$2,735/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,784/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,898
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,667
−HK$1,799/mo
Today · 4.125%
HK$60,466
baseline
▲ 0.50% · 4.625%
HK$64,145
+HK$3,679/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,932/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,840 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,298
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,996
−HK$1,722/mo
Today · 4.125%
HK$66,718
baseline
▲ 0.50% · 4.625%
HK$70,235
+HK$3,517/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,436/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,840 · Scale 2, in force from 26 Feb 2026)