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$31,573
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,555
−HK$998/mo
Today · 4.125%
HK$33,553
baseline
▲ 0.50% · 4.625%
HK$35,594
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,106/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,124
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,066
−HK$956/mo
Today · 4.125%
HK$37,022
baseline
▲ 0.50% · 4.625%
HK$38,974
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,044/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,887
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,066
−HK$1,197/mo
Today · 4.125%
HK$40,263
baseline
▲ 0.50% · 4.625%
HK$42,713
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,526/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,149
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,280
−HK$1,146/mo
Today · 4.125%
HK$44,426
baseline
▲ 0.50% · 4.625%
HK$46,768
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,852/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,202
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,577
−HK$1,397/mo
Today · 4.125%
HK$46,974
baseline
▲ 0.50% · 4.625%
HK$49,832
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,948/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,174
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,493
−HK$1,338/mo
Today · 4.125%
HK$51,831
baseline
▲ 0.50% · 4.625%
HK$54,563
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,662/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,831
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,599
−HK$1,796/mo
Today · 4.125%
HK$60,395
baseline
▲ 0.50% · 4.625%
HK$64,070
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,790/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,231 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,224
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,919
−HK$1,721/mo
Today · 4.125%
HK$66,640
baseline
▲ 0.50% · 4.625%
HK$70,152
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,280/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,231 · Scale 2, in force from 26 Feb 2026)