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$31,461
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,439
−HK$994/mo
Today · 4.125%
HK$33,433
baseline
▲ 0.50% · 4.625%
HK$35,468
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,866/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,000
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,938
−HK$953/mo
Today · 4.125%
HK$36,891
baseline
▲ 0.50% · 4.625%
HK$38,835
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,782/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,753
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,927
−HK$1,193/mo
Today · 4.125%
HK$40,120
baseline
▲ 0.50% · 4.625%
HK$42,561
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,240/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,000
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,126
−HK$1,143/mo
Today · 4.125%
HK$44,269
baseline
▲ 0.50% · 4.625%
HK$46,602
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,538/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,045
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,415
−HK$1,392/mo
Today · 4.125%
HK$46,807
baseline
▲ 0.50% · 4.625%
HK$49,655
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,614/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,999
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,314
−HK$1,333/mo
Today · 4.125%
HK$51,647
baseline
▲ 0.50% · 4.625%
HK$54,369
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,294/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,629
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,391
−HK$1,789/mo
Today · 4.125%
HK$60,180
baseline
▲ 0.50% · 4.625%
HK$63,842
+HK$3,662/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,360/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,386 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,999
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,689
−HK$1,714/mo
Today · 4.125%
HK$66,403
baseline
▲ 0.50% · 4.625%
HK$69,903
+HK$3,500/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,806/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,386 · Scale 2, in force from 26 Feb 2026)