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$31,449
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,427
−HK$994/mo
Today · 4.125%
HK$33,421
baseline
▲ 0.50% · 4.625%
HK$35,454
+HK$2,033/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,842/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,986
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,925
−HK$951/mo
Today · 4.125%
HK$36,876
baseline
▲ 0.50% · 4.625%
HK$38,820
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,752/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,738
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,912
−HK$1,193/mo
Today · 4.125%
HK$40,105
baseline
▲ 0.50% · 4.625%
HK$42,545
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,210/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,983
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,109
−HK$1,143/mo
Today · 4.125%
HK$44,252
baseline
▲ 0.50% · 4.625%
HK$46,584
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,504/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,028
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,398
−HK$1,391/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,636
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,981
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,294
−HK$1,333/mo
Today · 4.125%
HK$51,627
baseline
▲ 0.50% · 4.625%
HK$54,348
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,254/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,607
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,368
−HK$1,789/mo
Today · 4.125%
HK$60,157
baseline
▲ 0.50% · 4.625%
HK$63,818
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,314/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,975
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,664
−HK$1,714/mo
Today · 4.125%
HK$66,378
baseline
▲ 0.50% · 4.625%
HK$69,876
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,756/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,189 · Scale 2, in force from 26 Feb 2026)