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$31,557
−HK$1,979/mo
▼ 0.25% · 3.875%
HK$32,539
−HK$997/mo
Today · 4.125%
HK$33,536
baseline
▲ 0.50% · 4.625%
HK$35,577
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,072/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,107
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,049
−HK$955/mo
Today · 4.125%
HK$37,004
baseline
▲ 0.50% · 4.625%
HK$38,955
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,008/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$518,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,869
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,047
−HK$1,197/mo
Today · 4.125%
HK$40,244
baseline
▲ 0.50% · 4.625%
HK$42,692
+HK$2,448/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$80,488/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,129
−HK$2,276/mo
▼ 0.25% · 3.875%
HK$43,259
−HK$1,146/mo
Today · 4.125%
HK$44,405
baseline
▲ 0.50% · 4.625%
HK$46,745
+HK$2,340/mo
Deposit HK$5.54M · loan HK$8.30M · min. income ≈ HK$88,810/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$518,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,180
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,555
−HK$1,396/mo
Today · 4.125%
HK$46,951
baseline
▲ 0.50% · 4.625%
HK$49,808
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,902/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,150
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,468
−HK$1,338/mo
Today · 4.125%
HK$51,806
baseline
▲ 0.50% · 4.625%
HK$54,536
+HK$2,730/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,612/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$518,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,803
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,570
−HK$1,795/mo
Today · 4.125%
HK$60,365
baseline
▲ 0.50% · 4.625%
HK$64,039
+HK$3,674/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,730/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,193
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,888
−HK$1,719/mo
Today · 4.125%
HK$66,607
baseline
▲ 0.50% · 4.625%
HK$70,118
+HK$3,511/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,214/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$518,979 · Scale 2, in force from 26 Feb 2026)