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$31,575
−HK$1,981/mo
▼ 0.25% · 3.875%
HK$32,558
−HK$998/mo
Today · 4.125%
HK$33,556
baseline
▲ 0.50% · 4.625%
HK$35,597
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,112/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,127
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,070
−HK$955/mo
Today · 4.125%
HK$37,025
baseline
▲ 0.50% · 4.625%
HK$38,977
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,050/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,891
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,069
−HK$1,198/mo
Today · 4.125%
HK$40,267
baseline
▲ 0.50% · 4.625%
HK$42,717
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,534/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,153
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,283
−HK$1,147/mo
Today · 4.125%
HK$44,430
baseline
▲ 0.50% · 4.625%
HK$46,772
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,860/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,206
−HK$2,772/mo
▼ 0.25% · 3.875%
HK$45,581
−HK$1,397/mo
Today · 4.125%
HK$46,978
baseline
▲ 0.50% · 4.625%
HK$49,836
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,956/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,178
−HK$2,657/mo
▼ 0.25% · 3.875%
HK$50,497
−HK$1,338/mo
Today · 4.125%
HK$51,835
baseline
▲ 0.50% · 4.625%
HK$54,568
+HK$2,733/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,670/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,836
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,604
−HK$1,796/mo
Today · 4.125%
HK$60,400
baseline
▲ 0.50% · 4.625%
HK$64,075
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,800/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,229
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,925
−HK$1,720/mo
Today · 4.125%
HK$66,645
baseline
▲ 0.50% · 4.625%
HK$70,158
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,290/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,276 · Scale 2, in force from 26 Feb 2026)