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$31,453
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,431
−HK$994/mo
Today · 4.125%
HK$33,425
baseline
▲ 0.50% · 4.625%
HK$35,459
+HK$2,034/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$517,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,991
−HK$1,890/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$517,255 · 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$42,551
+HK$2,441/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$517,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,989
−HK$2,268/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$517,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,034
−HK$2,761/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$517,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,987
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,301
−HK$1,333/mo
Today · 4.125%
HK$51,634
baseline
▲ 0.50% · 4.625%
HK$54,355
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,268/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,615
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,376
−HK$1,789/mo
Today · 4.125%
HK$60,165
baseline
▲ 0.50% · 4.625%
HK$63,826
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,330/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,983
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,672
−HK$1,714/mo
Today · 4.125%
HK$66,386
baseline
▲ 0.50% · 4.625%
HK$69,885
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,772/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,255 · Scale 2, in force from 26 Feb 2026)