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$31,570
−HK$1,980/mo
▼ 0.25% · 3.875%
HK$32,552
−HK$998/mo
Today · 4.125%
HK$33,550
baseline
▲ 0.50% · 4.625%
HK$35,591
+HK$2,041/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$67,100/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,121
−HK$1,898/mo
▼ 0.25% · 3.875%
HK$36,063
−HK$956/mo
Today · 4.125%
HK$37,019
baseline
▲ 0.50% · 4.625%
HK$38,970
+HK$1,951/mo
Deposit HK$6.92M · loan HK$6.92M · min. income ≈ HK$74,038/mo (50% DSR)
Upfront cash ≈ HK$7.44M (deposit + AVD stamp duty HK$519,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,884
−HK$2,376/mo
▼ 0.25% · 3.875%
HK$39,062
−HK$1,198/mo
Today · 4.125%
HK$40,260
baseline
▲ 0.50% · 4.625%
HK$42,709
+HK$2,449/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$80,520/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,145
−HK$2,277/mo
▼ 0.25% · 3.875%
HK$43,276
−HK$1,146/mo
Today · 4.125%
HK$44,422
baseline
▲ 0.50% · 4.625%
HK$46,764
+HK$2,342/mo
Deposit HK$5.54M · loan HK$8.31M · min. income ≈ HK$88,844/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$519,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,198
−HK$2,771/mo
▼ 0.25% · 3.875%
HK$45,573
−HK$1,396/mo
Today · 4.125%
HK$46,969
baseline
▲ 0.50% · 4.625%
HK$49,827
+HK$2,858/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$93,938/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,170
−HK$2,656/mo
▼ 0.25% · 3.875%
HK$50,488
−HK$1,338/mo
Today · 4.125%
HK$51,826
baseline
▲ 0.50% · 4.625%
HK$54,558
+HK$2,732/mo
Deposit HK$4.15M · loan HK$9.69M · min. income ≈ HK$103,652/mo (50% DSR)
Upfront cash ≈ HK$4.67M (deposit + AVD stamp duty HK$519,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,826
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,593
−HK$1,796/mo
Today · 4.125%
HK$60,389
baseline
▲ 0.50% · 4.625%
HK$64,064
+HK$3,675/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$120,778/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,218
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,914
−HK$1,720/mo
Today · 4.125%
HK$66,634
baseline
▲ 0.50% · 4.625%
HK$70,146
+HK$3,512/mo
Deposit HK$1.38M · loan HK$12.46M · min. income ≈ HK$133,268/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$519,184 · Scale 2, in force from 26 Feb 2026)