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$31,482
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,462
−HK$995/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,492
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,024
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,963
−HK$953/mo
Today · 4.125%
HK$36,916
baseline
▲ 0.50% · 4.625%
HK$38,862
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,832/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,779
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,954
−HK$1,194/mo
Today · 4.125%
HK$40,148
baseline
▲ 0.50% · 4.625%
HK$42,591
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,296/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,029
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,156
−HK$1,143/mo
Today · 4.125%
HK$44,299
baseline
▲ 0.50% · 4.625%
HK$46,634
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,598/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,075
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,446
−HK$1,393/mo
Today · 4.125%
HK$46,839
baseline
▲ 0.50% · 4.625%
HK$49,689
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,678/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,033
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,348
−HK$1,334/mo
Today · 4.125%
HK$51,682
baseline
▲ 0.50% · 4.625%
HK$54,407
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,364/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,668
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,431
−HK$1,791/mo
Today · 4.125%
HK$60,222
baseline
▲ 0.50% · 4.625%
HK$63,886
+HK$3,664/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,444/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,043
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,734
−HK$1,715/mo
Today · 4.125%
HK$66,449
baseline
▲ 0.50% · 4.625%
HK$69,951
+HK$3,502/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,898/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,743 · Scale 2, in force from 26 Feb 2026)