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$31,462
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,441
−HK$994/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,470
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,001
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$952/mo
Today · 4.125%
HK$36,892
baseline
▲ 0.50% · 4.625%
HK$38,837
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,784/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,929
−HK$1,193/mo
Today · 4.125%
HK$40,122
baseline
▲ 0.50% · 4.625%
HK$42,563
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,244/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,002
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,128
−HK$1,143/mo
Today · 4.125%
HK$44,271
baseline
▲ 0.50% · 4.625%
HK$46,604
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,542/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,047
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,417
−HK$1,392/mo
Today · 4.125%
HK$46,809
baseline
▲ 0.50% · 4.625%
HK$49,657
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,618/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,002
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,316
−HK$1,333/mo
Today · 4.125%
HK$51,649
baseline
▲ 0.50% · 4.625%
HK$54,372
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,298/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,632
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,393
−HK$1,790/mo
Today · 4.125%
HK$60,183
baseline
▲ 0.50% · 4.625%
HK$63,845
+HK$3,662/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,366/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,002
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,692
−HK$1,714/mo
Today · 4.125%
HK$66,406
baseline
▲ 0.50% · 4.625%
HK$69,907
+HK$3,501/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,812/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,412 · Scale 2, in force from 26 Feb 2026)