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$1,972/mo
▼ 0.25% · 3.875%
HK$32,441
−HK$994/mo
Today · 4.125%
HK$33,435
baseline
▲ 0.50% · 4.625%
HK$35,470
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,870/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,002
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,940
−HK$953/mo
Today · 4.125%
HK$36,893
baseline
▲ 0.50% · 4.625%
HK$38,837
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,786/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,755
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,929
−HK$1,194/mo
Today · 4.125%
HK$40,123
baseline
▲ 0.50% · 4.625%
HK$42,564
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,246/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,002
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,129
−HK$1,142/mo
Today · 4.125%
HK$44,271
baseline
▲ 0.50% · 4.625%
HK$46,605
+HK$2,334/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,542/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,048
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,418
−HK$1,392/mo
Today · 4.125%
HK$46,810
baseline
▲ 0.50% · 4.625%
HK$49,658
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,620/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,002
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,317
−HK$1,333/mo
Today · 4.125%
HK$51,650
baseline
▲ 0.50% · 4.625%
HK$54,372
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,300/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,633
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,394
−HK$1,790/mo
Today · 4.125%
HK$60,184
baseline
▲ 0.50% · 4.625%
HK$63,846
+HK$3,662/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,368/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,003
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,693
−HK$1,714/mo
Today · 4.125%
HK$66,407
baseline
▲ 0.50% · 4.625%
HK$69,907
+HK$3,500/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,814/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,418 · Scale 2, in force from 26 Feb 2026)