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$31,623
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,607
−HK$999/mo
Today · 4.125%
HK$33,606
baseline
▲ 0.50% · 4.625%
HK$35,651
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,212/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,181
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,124
−HK$957/mo
Today · 4.125%
HK$37,081
baseline
▲ 0.50% · 4.625%
HK$39,036
+HK$1,955/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,162/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,948
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,128
−HK$1,200/mo
Today · 4.125%
HK$40,328
baseline
▲ 0.50% · 4.625%
HK$42,781
+HK$2,453/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,656/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,217
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,349
−HK$1,149/mo
Today · 4.125%
HK$44,498
baseline
▲ 0.50% · 4.625%
HK$46,843
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,996/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,273
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,650
−HK$1,399/mo
Today · 4.125%
HK$47,049
baseline
▲ 0.50% · 4.625%
HK$49,912
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,098/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,253
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,574
−HK$1,340/mo
Today · 4.125%
HK$51,914
baseline
▲ 0.50% · 4.625%
HK$54,650
+HK$2,736/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,828/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,922
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,692
−HK$1,799/mo
Today · 4.125%
HK$60,491
baseline
▲ 0.50% · 4.625%
HK$64,172
+HK$3,681/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,982/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,061 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,325
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,023
−HK$1,723/mo
Today · 4.125%
HK$66,746
baseline
▲ 0.50% · 4.625%
HK$70,265
+HK$3,519/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,492/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,061 · Scale 2, in force from 26 Feb 2026)