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$31,473
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,452
−HK$994/mo
Today · 4.125%
HK$33,446
baseline
▲ 0.50% · 4.625%
HK$35,481
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,892/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,013
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,952
−HK$953/mo
Today · 4.125%
HK$36,905
baseline
▲ 0.50% · 4.625%
HK$38,850
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,810/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,767
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,942
−HK$1,193/mo
Today · 4.125%
HK$40,135
baseline
▲ 0.50% · 4.625%
HK$42,578
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,270/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,016
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,142
−HK$1,143/mo
Today · 4.125%
HK$44,285
baseline
▲ 0.50% · 4.625%
HK$46,620
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,570/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,062
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,432
−HK$1,393/mo
Today · 4.125%
HK$46,825
baseline
▲ 0.50% · 4.625%
HK$49,674
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,650/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,018
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,333
−HK$1,333/mo
Today · 4.125%
HK$51,666
baseline
▲ 0.50% · 4.625%
HK$54,390
+HK$2,724/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,332/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,651
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,413
−HK$1,790/mo
Today · 4.125%
HK$60,203
baseline
▲ 0.50% · 4.625%
HK$63,866
+HK$3,663/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,406/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,584 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,023
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,714
−HK$1,714/mo
Today · 4.125%
HK$66,428
baseline
▲ 0.50% · 4.625%
HK$69,930
+HK$3,502/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,856/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,584 · Scale 2, in force from 26 Feb 2026)