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$31,445
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,423
−HK$994/mo
Today · 4.125%
HK$33,417
baseline
▲ 0.50% · 4.625%
HK$35,450
+HK$2,033/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,834/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,982
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,920
−HK$952/mo
Today · 4.125%
HK$36,872
baseline
▲ 0.50% · 4.625%
HK$38,816
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,744/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,734
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,908
−HK$1,192/mo
Today · 4.125%
HK$40,100
baseline
▲ 0.50% · 4.625%
HK$42,540
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,200/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,979
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,104
−HK$1,143/mo
Today · 4.125%
HK$44,247
baseline
▲ 0.50% · 4.625%
HK$46,579
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,494/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,023
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,392
−HK$1,392/mo
Today · 4.125%
HK$46,784
baseline
▲ 0.50% · 4.625%
HK$49,630
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,568/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,975
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,289
−HK$1,332/mo
Today · 4.125%
HK$51,621
baseline
▲ 0.50% · 4.625%
HK$54,342
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,242/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,601
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,361
−HK$1,789/mo
Today · 4.125%
HK$60,150
baseline
▲ 0.50% · 4.625%
HK$63,810
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,300/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,968
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,657
−HK$1,713/mo
Today · 4.125%
HK$66,370
baseline
▲ 0.50% · 4.625%
HK$69,868
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,740/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,129 · Scale 2, in force from 26 Feb 2026)