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$31,489
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,468
−HK$996/mo
Today · 4.125%
HK$33,464
baseline
▲ 0.50% · 4.625%
HK$35,500
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,928/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,031
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,971
−HK$953/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,787
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,962
−HK$1,194/mo
Today · 4.125%
HK$40,156
baseline
▲ 0.50% · 4.625%
HK$42,600
+HK$2,444/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,312/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,165
−HK$1,143/mo
Today · 4.125%
HK$44,308
baseline
▲ 0.50% · 4.625%
HK$46,644
+HK$2,336/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,616/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,765/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,393/mo
Today · 4.125%
HK$46,849
baseline
▲ 0.50% · 4.625%
HK$49,700
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,698/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,043
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,359
−HK$1,334/mo
Today · 4.125%
HK$51,693
baseline
▲ 0.50% · 4.625%
HK$54,418
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,386/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,680
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,443
−HK$1,791/mo
Today · 4.125%
HK$60,234
baseline
▲ 0.50% · 4.625%
HK$63,899
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,468/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,851 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,056
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,747
−HK$1,716/mo
Today · 4.125%
HK$66,463
baseline
▲ 0.50% · 4.625%
HK$69,966
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,926/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,851 · Scale 2, in force from 26 Feb 2026)