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$31,455
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,434
−HK$994/mo
Today · 4.125%
HK$33,428
baseline
▲ 0.50% · 4.625%
HK$35,462
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,856/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,994
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,932
−HK$952/mo
Today · 4.125%
HK$36,884
baseline
▲ 0.50% · 4.625%
HK$38,829
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,768/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,746
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,921
−HK$1,192/mo
Today · 4.125%
HK$40,113
baseline
▲ 0.50% · 4.625%
HK$42,554
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,226/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,993
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,119
−HK$1,142/mo
Today · 4.125%
HK$44,261
baseline
▲ 0.50% · 4.625%
HK$46,594
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,522/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,037
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,407
−HK$1,392/mo
Today · 4.125%
HK$46,799
baseline
▲ 0.50% · 4.625%
HK$49,647
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,598/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,991
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,305
−HK$1,333/mo
Today · 4.125%
HK$51,638
baseline
▲ 0.50% · 4.625%
HK$54,360
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,276/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,620
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,381
−HK$1,789/mo
Today · 4.125%
HK$60,170
baseline
▲ 0.50% · 4.625%
HK$63,831
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,340/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,989
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,678
−HK$1,714/mo
Today · 4.125%
HK$66,392
baseline
▲ 0.50% · 4.625%
HK$69,891
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,784/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,300 · Scale 2, in force from 26 Feb 2026)