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$31,465
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$994/mo
Today · 4.125%
HK$33,438
baseline
▲ 0.50% · 4.625%
HK$35,473
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,876/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,004
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,943
−HK$953/mo
Today · 4.125%
HK$36,896
baseline
▲ 0.50% · 4.625%
HK$38,840
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,792/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,758
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,932
−HK$1,194/mo
Today · 4.125%
HK$40,126
baseline
▲ 0.50% · 4.625%
HK$42,567
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,252/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,005
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,132
−HK$1,143/mo
Today · 4.125%
HK$44,275
baseline
▲ 0.50% · 4.625%
HK$46,608
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,550/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,051
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,421
−HK$1,392/mo
Today · 4.125%
HK$46,813
baseline
▲ 0.50% · 4.625%
HK$49,662
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,626/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,006
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,320
−HK$1,334/mo
Today · 4.125%
HK$51,654
baseline
▲ 0.50% · 4.625%
HK$54,377
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,308/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,637
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,399
−HK$1,789/mo
Today · 4.125%
HK$60,188
baseline
▲ 0.50% · 4.625%
HK$63,851
+HK$3,663/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,376/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,008
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,698
−HK$1,714/mo
Today · 4.125%
HK$66,412
baseline
▲ 0.50% · 4.625%
HK$69,913
+HK$3,501/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,824/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,457 · Scale 2, in force from 26 Feb 2026)