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$31,463
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,442
−HK$994/mo
Today · 4.125%
HK$33,436
baseline
▲ 0.50% · 4.625%
HK$35,471
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,872/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,003
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,942
−HK$952/mo
Today · 4.125%
HK$36,894
baseline
▲ 0.50% · 4.625%
HK$38,839
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,788/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,756
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,931
−HK$1,193/mo
Today · 4.125%
HK$40,124
baseline
▲ 0.50% · 4.625%
HK$42,565
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,248/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,003
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,130
−HK$1,143/mo
Today · 4.125%
HK$44,273
baseline
▲ 0.50% · 4.625%
HK$46,606
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,546/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,049
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,419
−HK$1,392/mo
Today · 4.125%
HK$46,811
baseline
▲ 0.50% · 4.625%
HK$49,659
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,622/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,004
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,318
−HK$1,333/mo
Today · 4.125%
HK$51,651
baseline
▲ 0.50% · 4.625%
HK$54,374
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,302/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,634
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,396
−HK$1,790/mo
Today · 4.125%
HK$60,186
baseline
▲ 0.50% · 4.625%
HK$63,848
+HK$3,662/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,372/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,005
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,695
−HK$1,714/mo
Today · 4.125%
HK$66,409
baseline
▲ 0.50% · 4.625%
HK$69,909
+HK$3,500/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,818/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,433 · Scale 2, in force from 26 Feb 2026)