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$31,484
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,463
−HK$995/mo
Today · 4.125%
HK$33,458
baseline
▲ 0.50% · 4.625%
HK$35,494
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,916/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,025
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,965
−HK$952/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$38,863
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,780
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,955
−HK$1,194/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,592
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,030
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,157
−HK$1,144/mo
Today · 4.125%
HK$44,301
baseline
▲ 0.50% · 4.625%
HK$46,636
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,602/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,077
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,448
−HK$1,393/mo
Today · 4.125%
HK$46,841
baseline
▲ 0.50% · 4.625%
HK$49,691
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,682/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,035
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,350
−HK$1,334/mo
Today · 4.125%
HK$51,684
baseline
▲ 0.50% · 4.625%
HK$54,409
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,368/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,670
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,433
−HK$1,791/mo
Today · 4.125%
HK$60,224
baseline
▲ 0.50% · 4.625%
HK$63,889
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,448/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,764 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,045
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,736
−HK$1,715/mo
Today · 4.125%
HK$66,451
baseline
▲ 0.50% · 4.625%
HK$69,954
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,902/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,764 · Scale 2, in force from 26 Feb 2026)