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$31,459
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,438
−HK$994/mo
Today · 4.125%
HK$33,432
baseline
▲ 0.50% · 4.625%
HK$35,466
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,864/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,998
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,937
−HK$952/mo
Today · 4.125%
HK$36,889
baseline
▲ 0.50% · 4.625%
HK$38,834
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,778/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,751
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,926
−HK$1,193/mo
Today · 4.125%
HK$40,119
baseline
▲ 0.50% · 4.625%
HK$42,560
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,238/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,998
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,124
−HK$1,143/mo
Today · 4.125%
HK$44,267
baseline
▲ 0.50% · 4.625%
HK$46,600
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,534/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,043
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,413
−HK$1,392/mo
Today · 4.125%
HK$46,805
baseline
▲ 0.50% · 4.625%
HK$49,653
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,610/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,998
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,312
−HK$1,333/mo
Today · 4.125%
HK$51,645
baseline
▲ 0.50% · 4.625%
HK$54,367
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,290/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,627
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,388
−HK$1,790/mo
Today · 4.125%
HK$60,178
baseline
▲ 0.50% · 4.625%
HK$63,840
+HK$3,662/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,356/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,366 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,997
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,686
−HK$1,714/mo
Today · 4.125%
HK$66,400
baseline
▲ 0.50% · 4.625%
HK$69,900
+HK$3,500/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,800/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,366 · Scale 2, in force from 26 Feb 2026)