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$31,451
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,429
−HK$994/mo
Today · 4.125%
HK$33,423
baseline
▲ 0.50% · 4.625%
HK$35,457
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,846/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,989
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,927
−HK$952/mo
Today · 4.125%
HK$36,879
baseline
▲ 0.50% · 4.625%
HK$38,823
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,758/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,741
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,915
−HK$1,193/mo
Today · 4.125%
HK$40,108
baseline
▲ 0.50% · 4.625%
HK$42,548
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,216/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,986
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,112
−HK$1,143/mo
Today · 4.125%
HK$44,255
baseline
▲ 0.50% · 4.625%
HK$46,587
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,510/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,031
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,401
−HK$1,391/mo
Today · 4.125%
HK$46,792
baseline
▲ 0.50% · 4.625%
HK$49,639
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,584/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,984
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,298
−HK$1,333/mo
Today · 4.125%
HK$51,631
baseline
▲ 0.50% · 4.625%
HK$54,352
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,262/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,611
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,372
−HK$1,789/mo
Today · 4.125%
HK$60,161
baseline
▲ 0.50% · 4.625%
HK$63,822
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,322/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,224 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,980
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,669
−HK$1,713/mo
Today · 4.125%
HK$66,382
baseline
▲ 0.50% · 4.625%
HK$69,881
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,764/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,224 · Scale 2, in force from 26 Feb 2026)