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$31,457
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,435
−HK$994/mo
Today · 4.125%
HK$33,429
baseline
▲ 0.50% · 4.625%
HK$35,463
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,858/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,995
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,934
−HK$952/mo
Today · 4.125%
HK$36,886
baseline
▲ 0.50% · 4.625%
HK$38,830
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,772/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,748
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,922
−HK$1,193/mo
Today · 4.125%
HK$40,115
baseline
▲ 0.50% · 4.625%
HK$42,556
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,230/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,994
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,121
−HK$1,142/mo
Today · 4.125%
HK$44,263
baseline
▲ 0.50% · 4.625%
HK$46,596
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,526/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,039
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,409
−HK$1,392/mo
Today · 4.125%
HK$46,801
baseline
▲ 0.50% · 4.625%
HK$49,649
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,602/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,993
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,307
−HK$1,333/mo
Today · 4.125%
HK$51,640
baseline
▲ 0.50% · 4.625%
HK$54,362
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,280/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,622
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,383
−HK$1,790/mo
Today · 4.125%
HK$60,173
baseline
▲ 0.50% · 4.625%
HK$63,834
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,346/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,991
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,681
−HK$1,714/mo
Today · 4.125%
HK$66,395
baseline
▲ 0.50% · 4.625%
HK$69,894
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,790/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,322 · Scale 2, in force from 26 Feb 2026)