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$31,466
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$995/mo
Today · 4.125%
HK$33,439
baseline
▲ 0.50% · 4.625%
HK$35,474
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,878/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,005
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,944
−HK$953/mo
Today · 4.125%
HK$36,897
baseline
▲ 0.50% · 4.625%
HK$38,841
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,794/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,759
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,194/mo
Today · 4.125%
HK$40,127
baseline
▲ 0.50% · 4.625%
HK$42,568
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,254/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,133
−HK$1,143/mo
Today · 4.125%
HK$44,276
baseline
▲ 0.50% · 4.625%
HK$46,610
+HK$2,334/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,552/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,052
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,392/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,663
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,007
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,322
−HK$1,333/mo
Today · 4.125%
HK$51,655
baseline
▲ 0.50% · 4.625%
HK$54,378
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,310/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,638
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,400
−HK$1,790/mo
Today · 4.125%
HK$60,190
baseline
▲ 0.50% · 4.625%
HK$63,852
+HK$3,662/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,380/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,471 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,010
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,699
−HK$1,715/mo
Today · 4.125%
HK$66,414
baseline
▲ 0.50% · 4.625%
HK$69,915
+HK$3,501/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,828/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,471 · Scale 2, in force from 26 Feb 2026)