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$31,452
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,430
−HK$994/mo
Today · 4.125%
HK$33,424
baseline
▲ 0.50% · 4.625%
HK$35,458
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,848/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,990
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,928
−HK$952/mo
Today · 4.125%
HK$36,880
baseline
▲ 0.50% · 4.625%
HK$38,824
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,760/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,742
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,916
−HK$1,193/mo
Today · 4.125%
HK$40,109
baseline
▲ 0.50% · 4.625%
HK$42,550
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,218/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,988
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,114
−HK$1,143/mo
Today · 4.125%
HK$44,257
baseline
▲ 0.50% · 4.625%
HK$46,589
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,514/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,033
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,402
−HK$1,392/mo
Today · 4.125%
HK$46,794
baseline
▲ 0.50% · 4.625%
HK$49,641
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,588/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,986
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,300
−HK$1,333/mo
Today · 4.125%
HK$51,633
baseline
▲ 0.50% · 4.625%
HK$54,354
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,266/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,614
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,375
−HK$1,789/mo
Today · 4.125%
HK$60,164
baseline
▲ 0.50% · 4.625%
HK$63,825
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,328/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,245 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,982
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,671
−HK$1,714/mo
Today · 4.125%
HK$66,385
baseline
▲ 0.50% · 4.625%
HK$69,884
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,770/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,245 · Scale 2, in force from 26 Feb 2026)