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$31,477
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,456
−HK$995/mo
Today · 4.125%
HK$33,451
baseline
▲ 0.50% · 4.625%
HK$35,486
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,902/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,018
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,957
−HK$953/mo
Today · 4.125%
HK$36,910
baseline
▲ 0.50% · 4.625%
HK$38,855
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,820/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,772
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,947
−HK$1,194/mo
Today · 4.125%
HK$40,141
baseline
▲ 0.50% · 4.625%
HK$42,584
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,282/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,021
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,148
−HK$1,144/mo
Today · 4.125%
HK$44,292
baseline
▲ 0.50% · 4.625%
HK$46,626
+HK$2,334/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,584/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,068
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,439
−HK$1,392/mo
Today · 4.125%
HK$46,831
baseline
▲ 0.50% · 4.625%
HK$49,681
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,662/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,025
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,340
−HK$1,334/mo
Today · 4.125%
HK$51,674
baseline
▲ 0.50% · 4.625%
HK$54,397
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,348/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,659
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,421
−HK$1,791/mo
Today · 4.125%
HK$60,212
baseline
▲ 0.50% · 4.625%
HK$63,875
+HK$3,663/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,424/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,656 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,032
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,723
−HK$1,714/mo
Today · 4.125%
HK$66,437
baseline
▲ 0.50% · 4.625%
HK$69,940
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,874/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,656 · Scale 2, in force from 26 Feb 2026)