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$31,475
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,454
−HK$995/mo
Today · 4.125%
HK$33,449
baseline
▲ 0.50% · 4.625%
HK$35,484
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,898/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,016
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,955
−HK$953/mo
Today · 4.125%
HK$36,908
baseline
▲ 0.50% · 4.625%
HK$38,853
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,816/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,770
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,945
−HK$1,194/mo
Today · 4.125%
HK$40,139
baseline
▲ 0.50% · 4.625%
HK$42,581
+HK$2,442/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,278/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,019
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,146
−HK$1,143/mo
Today · 4.125%
HK$44,289
baseline
▲ 0.50% · 4.625%
HK$46,624
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,578/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,066
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,436
−HK$1,393/mo
Today · 4.125%
HK$46,829
baseline
▲ 0.50% · 4.625%
HK$49,678
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,658/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,023
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,337
−HK$1,334/mo
Today · 4.125%
HK$51,671
baseline
▲ 0.50% · 4.625%
HK$54,395
+HK$2,724/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,342/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,656
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,418
−HK$1,791/mo
Today · 4.125%
HK$60,209
baseline
▲ 0.50% · 4.625%
HK$63,872
+HK$3,663/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,418/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,029
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,719
−HK$1,715/mo
Today · 4.125%
HK$66,434
baseline
▲ 0.50% · 4.625%
HK$69,936
+HK$3,502/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,868/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,630 · Scale 2, in force from 26 Feb 2026)