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$31,444
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,422
−HK$994/mo
Today · 4.125%
HK$33,416
baseline
▲ 0.50% · 4.625%
HK$35,450
+HK$2,034/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$66,832/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,982
−HK$1,889/mo
▼ 0.25% · 3.875%
HK$35,920
−HK$951/mo
Today · 4.125%
HK$36,871
baseline
▲ 0.50% · 4.625%
HK$38,815
+HK$1,944/mo
Deposit HK$6.89M · loan HK$6.89M · min. income ≈ HK$73,742/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,733
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,907
−HK$1,192/mo
Today · 4.125%
HK$40,099
baseline
▲ 0.50% · 4.625%
HK$42,539
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,198/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,978
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,104
−HK$1,142/mo
Today · 4.125%
HK$44,246
baseline
▲ 0.50% · 4.625%
HK$46,578
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,492/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,022
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,391
−HK$1,392/mo
Today · 4.125%
HK$46,783
baseline
▲ 0.50% · 4.625%
HK$49,629
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,566/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,974
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,288
−HK$1,332/mo
Today · 4.125%
HK$51,620
baseline
▲ 0.50% · 4.625%
HK$54,341
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,240/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,600
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,360
−HK$1,789/mo
Today · 4.125%
HK$60,149
baseline
▲ 0.50% · 4.625%
HK$63,809
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,298/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,967
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,656
−HK$1,713/mo
Today · 4.125%
HK$66,369
baseline
▲ 0.50% · 4.625%
HK$69,867
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,738/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,120 · Scale 2, in force from 26 Feb 2026)