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$31,447
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$993/mo
Today · 4.125%
HK$33,419
baseline
▲ 0.50% · 4.625%
HK$35,453
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,838/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,985
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,923
−HK$952/mo
Today · 4.125%
HK$36,875
baseline
▲ 0.50% · 4.625%
HK$38,819
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,750/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,737
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,911
−HK$1,192/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,544
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,206/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,982
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,108
−HK$1,142/mo
Today · 4.125%
HK$44,250
baseline
▲ 0.50% · 4.625%
HK$46,583
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,500/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,026
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,396
−HK$1,391/mo
Today · 4.125%
HK$46,787
baseline
▲ 0.50% · 4.625%
HK$49,634
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,574/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,979
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,292
−HK$1,333/mo
Today · 4.125%
HK$51,625
baseline
▲ 0.50% · 4.625%
HK$54,346
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,250/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,605
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,366
−HK$1,789/mo
Today · 4.125%
HK$60,155
baseline
▲ 0.50% · 4.625%
HK$63,815
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,310/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,169 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,973
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,662
−HK$1,713/mo
Today · 4.125%
HK$66,375
baseline
▲ 0.50% · 4.625%
HK$69,874
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,750/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,169 · Scale 2, in force from 26 Feb 2026)