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$31,563
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,545
−HK$997/mo
Today · 4.125%
HK$33,542
baseline
▲ 0.50% · 4.625%
HK$35,583
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,084/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,114
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,055
−HK$956/mo
Today · 4.125%
HK$37,011
baseline
▲ 0.50% · 4.625%
HK$38,962
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,022/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,876
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,054
−HK$1,197/mo
Today · 4.125%
HK$40,251
baseline
▲ 0.50% · 4.625%
HK$42,700
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,502/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,136
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,266
−HK$1,147/mo
Today · 4.125%
HK$44,413
baseline
▲ 0.50% · 4.625%
HK$46,754
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,826/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,188
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,563
−HK$1,396/mo
Today · 4.125%
HK$46,959
baseline
▲ 0.50% · 4.625%
HK$49,817
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,918/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,159
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,478
−HK$1,337/mo
Today · 4.125%
HK$51,815
baseline
▲ 0.50% · 4.625%
HK$54,546
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,630/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,814
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,581
−HK$1,795/mo
Today · 4.125%
HK$60,376
baseline
▲ 0.50% · 4.625%
HK$64,050
+HK$3,674/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,752/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,205
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,900
−HK$1,719/mo
Today · 4.125%
HK$66,619
baseline
▲ 0.50% · 4.625%
HK$70,131
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,238/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,073 · Scale 2, in force from 26 Feb 2026)