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$31,571
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,553
−HK$998/mo
Today · 4.125%
HK$33,551
baseline
▲ 0.50% · 4.625%
HK$35,593
+HK$2,042/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,102/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,123
−HK$1,897/mo
▼ 0.25% · 3.875%
HK$36,065
−HK$955/mo
Today · 4.125%
HK$37,020
baseline
▲ 0.50% · 4.625%
HK$38,972
+HK$1,952/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,040/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,886
−HK$2,375/mo
▼ 0.25% · 3.875%
HK$39,064
−HK$1,197/mo
Today · 4.125%
HK$40,261
baseline
▲ 0.50% · 4.625%
HK$42,711
+HK$2,450/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,522/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,147
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,278
−HK$1,146/mo
Today · 4.125%
HK$44,424
baseline
▲ 0.50% · 4.625%
HK$46,766
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,848/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,200
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,575
−HK$1,396/mo
Today · 4.125%
HK$46,971
baseline
▲ 0.50% · 4.625%
HK$49,830
+HK$2,859/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,942/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,172
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,491
−HK$1,337/mo
Today · 4.125%
HK$51,828
baseline
▲ 0.50% · 4.625%
HK$54,560
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,656/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,828
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,596
−HK$1,796/mo
Today · 4.125%
HK$60,392
baseline
▲ 0.50% · 4.625%
HK$64,067
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,784/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,221
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,916
−HK$1,720/mo
Today · 4.125%
HK$66,636
baseline
▲ 0.50% · 4.625%
HK$70,149
+HK$3,513/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,272/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,206 · Scale 2, in force from 26 Feb 2026)