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$31,454
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,432
−HK$994/mo
Today · 4.125%
HK$33,426
baseline
▲ 0.50% · 4.625%
HK$35,460
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,852/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,992
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,930
−HK$952/mo
Today · 4.125%
HK$36,882
baseline
▲ 0.50% · 4.625%
HK$38,826
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,764/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,744
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,918
−HK$1,193/mo
Today · 4.125%
HK$40,111
baseline
▲ 0.50% · 4.625%
HK$42,552
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,222/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,990
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,116
−HK$1,143/mo
Today · 4.125%
HK$44,259
baseline
▲ 0.50% · 4.625%
HK$46,592
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,518/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,035
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,405
−HK$1,391/mo
Today · 4.125%
HK$46,796
baseline
▲ 0.50% · 4.625%
HK$49,644
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,592/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,988
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,302
−HK$1,333/mo
Today · 4.125%
HK$51,635
baseline
▲ 0.50% · 4.625%
HK$54,357
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,270/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,616
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,377
−HK$1,790/mo
Today · 4.125%
HK$60,167
baseline
▲ 0.50% · 4.625%
HK$63,828
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,334/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,985
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,674
−HK$1,714/mo
Today · 4.125%
HK$66,388
baseline
▲ 0.50% · 4.625%
HK$69,887
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,776/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,270 · Scale 2, in force from 26 Feb 2026)