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$31,452
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,431
−HK$994/mo
Today · 4.125%
HK$33,425
baseline
▲ 0.50% · 4.625%
HK$35,458
+HK$2,033/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,850/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,990
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,929
−HK$952/mo
Today · 4.125%
HK$36,881
baseline
▲ 0.50% · 4.625%
HK$38,825
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,762/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,743
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,917
−HK$1,193/mo
Today · 4.125%
HK$40,110
baseline
▲ 0.50% · 4.625%
HK$42,550
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,220/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,988
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,115
−HK$1,142/mo
Today · 4.125%
HK$44,257
baseline
▲ 0.50% · 4.625%
HK$46,590
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,514/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,033
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,403
−HK$1,392/mo
Today · 4.125%
HK$46,795
baseline
▲ 0.50% · 4.625%
HK$49,642
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,590/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,987
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,300
−HK$1,333/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,355
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,266/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,614
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,375
−HK$1,789/mo
Today · 4.125%
HK$60,164
baseline
▲ 0.50% · 4.625%
HK$63,825
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,328/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,250 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,983
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,672
−HK$1,713/mo
Today · 4.125%
HK$66,385
baseline
▲ 0.50% · 4.625%
HK$69,885
+HK$3,500/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,770/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,250 · Scale 2, in force from 26 Feb 2026)