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$31,485
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,465
−HK$995/mo
Today · 4.125%
HK$33,460
baseline
▲ 0.50% · 4.625%
HK$35,496
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,920/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,027
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,967
−HK$953/mo
Today · 4.125%
HK$36,920
baseline
▲ 0.50% · 4.625%
HK$38,866
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,840/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,782
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,958
−HK$1,194/mo
Today · 4.125%
HK$40,152
baseline
▲ 0.50% · 4.625%
HK$42,595
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,304/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,033
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,160
−HK$1,144/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$46,639
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,080
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,451
−HK$1,393/mo
Today · 4.125%
HK$46,844
baseline
▲ 0.50% · 4.625%
HK$49,694
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,688/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,038
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,353
−HK$1,334/mo
Today · 4.125%
HK$51,687
baseline
▲ 0.50% · 4.625%
HK$54,412
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,374/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,674
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,437
−HK$1,791/mo
Today · 4.125%
HK$60,228
baseline
▲ 0.50% · 4.625%
HK$63,892
+HK$3,664/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,456/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,049
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,740
−HK$1,715/mo
Today · 4.125%
HK$66,455
baseline
▲ 0.50% · 4.625%
HK$69,958
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,910/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,794 · Scale 2, in force from 26 Feb 2026)