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$31,585
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,568
−HK$998/mo
Today · 4.125%
HK$33,566
baseline
▲ 0.50% · 4.625%
HK$35,608
+HK$2,042/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,132/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,138
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,080
−HK$956/mo
Today · 4.125%
HK$37,036
baseline
▲ 0.50% · 4.625%
HK$38,989
+HK$1,953/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,072/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,902
−HK$2,377/mo
▼ 0.25% · 3.875%
HK$39,081
−HK$1,198/mo
Today · 4.125%
HK$40,279
baseline
▲ 0.50% · 4.625%
HK$42,730
+HK$2,451/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,558/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,166
−HK$2,278/mo
▼ 0.25% · 3.875%
HK$43,297
−HK$1,147/mo
Today · 4.125%
HK$44,444
baseline
▲ 0.50% · 4.625%
HK$46,786
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,888/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,219
−HK$2,773/mo
▼ 0.25% · 3.875%
HK$45,595
−HK$1,397/mo
Today · 4.125%
HK$46,992
baseline
▲ 0.50% · 4.625%
HK$49,851
+HK$2,859/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$93,984/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,193
−HK$2,658/mo
▼ 0.25% · 3.875%
HK$50,513
−HK$1,338/mo
Today · 4.125%
HK$51,851
baseline
▲ 0.50% · 4.625%
HK$54,584
+HK$2,733/mo
Deposit HK$4.16M · loan HK$9.70M · min. income ≈ HK$103,702/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,853
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,622
−HK$1,796/mo
Today · 4.125%
HK$60,418
baseline
▲ 0.50% · 4.625%
HK$64,095
+HK$3,677/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$120,836/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,434 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,249
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,945
−HK$1,721/mo
Today · 4.125%
HK$66,666
baseline
▲ 0.50% · 4.625%
HK$70,180
+HK$3,514/mo
Deposit HK$1.39M · loan HK$12.47M · min. income ≈ HK$133,332/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,434 · Scale 2, in force from 26 Feb 2026)