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$31,466
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,445
−HK$995/mo
Today · 4.125%
HK$33,440
baseline
▲ 0.50% · 4.625%
HK$35,474
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,880/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,006
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,945
−HK$952/mo
Today · 4.125%
HK$36,897
baseline
▲ 0.50% · 4.625%
HK$38,842
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,794/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,760
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,934
−HK$1,193/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,569
+HK$2,442/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,007
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,134
−HK$1,143/mo
Today · 4.125%
HK$44,277
baseline
▲ 0.50% · 4.625%
HK$46,611
+HK$2,334/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,554/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,053
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,423
−HK$1,392/mo
Today · 4.125%
HK$46,815
baseline
▲ 0.50% · 4.625%
HK$49,664
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,630/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,008
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,323
−HK$1,333/mo
Today · 4.125%
HK$51,656
baseline
▲ 0.50% · 4.625%
HK$54,379
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,312/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,639
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,401
−HK$1,790/mo
Today · 4.125%
HK$60,191
baseline
▲ 0.50% · 4.625%
HK$63,854
+HK$3,663/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,382/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,481 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,011
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,701
−HK$1,714/mo
Today · 4.125%
HK$66,415
baseline
▲ 0.50% · 4.625%
HK$69,916
+HK$3,501/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,830/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,481 · Scale 2, in force from 26 Feb 2026)