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$1,973/mo
▼ 0.25% · 3.875%
HK$32,436
−HK$994/mo
Today · 4.125%
HK$33,430
baseline
▲ 0.50% · 4.625%
HK$35,464
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,860/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,996
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,934
−HK$952/mo
Today · 4.125%
HK$36,886
baseline
▲ 0.50% · 4.625%
HK$38,831
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,772/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,749
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,923
−HK$1,193/mo
Today · 4.125%
HK$40,116
baseline
▲ 0.50% · 4.625%
HK$42,557
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,232/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,995
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,121
−HK$1,143/mo
Today · 4.125%
HK$44,264
baseline
▲ 0.50% · 4.625%
HK$46,597
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,528/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,040
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,410
−HK$1,392/mo
Today · 4.125%
HK$46,802
baseline
▲ 0.50% · 4.625%
HK$49,649
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,604/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,994
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,308
−HK$1,333/mo
Today · 4.125%
HK$51,641
baseline
▲ 0.50% · 4.625%
HK$54,363
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,282/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,623
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,384
−HK$1,790/mo
Today · 4.125%
HK$60,174
baseline
▲ 0.50% · 4.625%
HK$63,835
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,348/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,329 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,992
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,682
−HK$1,714/mo
Today · 4.125%
HK$66,396
baseline
▲ 0.50% · 4.625%
HK$69,895
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,792/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,329 · Scale 2, in force from 26 Feb 2026)