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$31,487
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,466
−HK$995/mo
Today · 4.125%
HK$33,461
baseline
▲ 0.50% · 4.625%
HK$35,497
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,922/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,029
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,968
−HK$953/mo
Today · 4.125%
HK$36,921
baseline
▲ 0.50% · 4.625%
HK$38,868
+HK$1,947/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,842/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,784
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,960
−HK$1,194/mo
Today · 4.125%
HK$40,154
baseline
▲ 0.50% · 4.625%
HK$42,597
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,308/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,035
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,162
−HK$1,144/mo
Today · 4.125%
HK$44,306
baseline
▲ 0.50% · 4.625%
HK$46,641
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,612/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,082
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,453
−HK$1,393/mo
Today · 4.125%
HK$46,846
baseline
▲ 0.50% · 4.625%
HK$49,696
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,692/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,040
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,356
−HK$1,334/mo
Today · 4.125%
HK$51,690
baseline
▲ 0.50% · 4.625%
HK$54,415
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,380/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,676
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,439
−HK$1,792/mo
Today · 4.125%
HK$60,231
baseline
▲ 0.50% · 4.625%
HK$63,895
+HK$3,664/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,462/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,819 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,052
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,743
−HK$1,715/mo
Today · 4.125%
HK$66,458
baseline
▲ 0.50% · 4.625%
HK$69,962
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,916/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,819 · Scale 2, in force from 26 Feb 2026)