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$31,566
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,548
−HK$998/mo
Today · 4.125%
HK$33,546
baseline
▲ 0.50% · 4.625%
HK$35,587
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,092/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,117
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,059
−HK$955/mo
Today · 4.125%
HK$37,014
baseline
▲ 0.50% · 4.625%
HK$38,965
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,028/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,879
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,058
−HK$1,197/mo
Today · 4.125%
HK$40,255
baseline
▲ 0.50% · 4.625%
HK$42,704
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,510/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,140
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,271
−HK$1,146/mo
Today · 4.125%
HK$44,417
baseline
▲ 0.50% · 4.625%
HK$46,758
+HK$2,341/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,834/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,193
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,567
−HK$1,397/mo
Today · 4.125%
HK$46,964
baseline
▲ 0.50% · 4.625%
HK$49,821
+HK$2,857/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,928/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,164
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,482
−HK$1,338/mo
Today · 4.125%
HK$51,820
baseline
▲ 0.50% · 4.625%
HK$54,551
+HK$2,731/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,640/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,819
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,586
−HK$1,796/mo
Today · 4.125%
HK$60,382
baseline
▲ 0.50% · 4.625%
HK$64,056
+HK$3,674/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,764/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,211
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,906
−HK$1,720/mo
Today · 4.125%
HK$66,626
baseline
▲ 0.50% · 4.625%
HK$70,138
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,252/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,122 · Scale 2, in force from 26 Feb 2026)