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$31,481
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,460
−HK$995/mo
Today · 4.125%
HK$33,455
baseline
▲ 0.50% · 4.625%
HK$35,491
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,910/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,022
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,962
−HK$953/mo
Today · 4.125%
HK$36,915
baseline
▲ 0.50% · 4.625%
HK$38,860
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,830/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,777
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,952
−HK$1,194/mo
Today · 4.125%
HK$40,146
baseline
▲ 0.50% · 4.625%
HK$42,589
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,292/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,027
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,154
−HK$1,143/mo
Today · 4.125%
HK$44,297
baseline
▲ 0.50% · 4.625%
HK$46,632
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,594/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,074
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,444
−HK$1,393/mo
Today · 4.125%
HK$46,837
baseline
▲ 0.50% · 4.625%
HK$49,687
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,674/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,031
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,346
−HK$1,334/mo
Today · 4.125%
HK$51,680
baseline
▲ 0.50% · 4.625%
HK$54,404
+HK$2,724/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,360/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,666
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,429
−HK$1,790/mo
Today · 4.125%
HK$60,219
baseline
▲ 0.50% · 4.625%
HK$63,884
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,438/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,040
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,731
−HK$1,715/mo
Today · 4.125%
HK$66,446
baseline
▲ 0.50% · 4.625%
HK$69,949
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,892/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,723 · Scale 2, in force from 26 Feb 2026)