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$31,571
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$998/mo
Today · 4.125%
HK$33,551
baseline
▲ 0.50% · 4.625%
HK$35,592
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,102/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,122
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,064
−HK$956/mo
Today · 4.125%
HK$37,020
baseline
▲ 0.50% · 4.625%
HK$38,971
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,040/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,885
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,063
−HK$1,198/mo
Today · 4.125%
HK$40,261
baseline
▲ 0.50% · 4.625%
HK$42,710
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,522/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,147
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,277
−HK$1,147/mo
Today · 4.125%
HK$44,424
baseline
▲ 0.50% · 4.625%
HK$46,765
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,848/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,199
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,574
−HK$1,397/mo
Today · 4.125%
HK$46,971
baseline
▲ 0.50% · 4.625%
HK$49,829
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,942/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,171
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,490
−HK$1,338/mo
Today · 4.125%
HK$51,828
baseline
▲ 0.50% · 4.625%
HK$54,560
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,656/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,827
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,595
−HK$1,796/mo
Today · 4.125%
HK$60,391
baseline
▲ 0.50% · 4.625%
HK$64,066
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,782/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,220
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,916
−HK$1,720/mo
Today · 4.125%
HK$66,636
baseline
▲ 0.50% · 4.625%
HK$70,148
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,272/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,199 · Scale 2, in force from 26 Feb 2026)