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$31,617
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,601
−HK$999/mo
Today · 4.125%
HK$33,600
baseline
▲ 0.50% · 4.625%
HK$35,644
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,200/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,174
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,117
−HK$957/mo
Today · 4.125%
HK$37,074
baseline
▲ 0.50% · 4.625%
HK$39,029
+HK$1,955/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,148/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,941
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,121
−HK$1,199/mo
Today · 4.125%
HK$40,320
baseline
▲ 0.50% · 4.625%
HK$42,773
+HK$2,453/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,640/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,209
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,341
−HK$1,148/mo
Today · 4.125%
HK$44,489
baseline
▲ 0.50% · 4.625%
HK$46,834
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,978/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,264
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,641
−HK$1,399/mo
Today · 4.125%
HK$47,040
baseline
▲ 0.50% · 4.625%
HK$49,902
+HK$2,862/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,080/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,244
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,564
−HK$1,340/mo
Today · 4.125%
HK$51,904
baseline
▲ 0.50% · 4.625%
HK$54,640
+HK$2,736/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,808/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,911
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,681
−HK$1,799/mo
Today · 4.125%
HK$60,480
baseline
▲ 0.50% · 4.625%
HK$64,160
+HK$3,680/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,960/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,313
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,011
−HK$1,723/mo
Today · 4.125%
HK$66,734
baseline
▲ 0.50% · 4.625%
HK$70,251
+HK$3,517/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,468/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,964 · Scale 2, in force from 26 Feb 2026)