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$31,485
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,464
−HK$995/mo
Today · 4.125%
HK$33,459
baseline
▲ 0.50% · 4.625%
HK$35,495
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,918/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,027
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,966
−HK$953/mo
Today · 4.125%
HK$36,919
baseline
▲ 0.50% · 4.625%
HK$38,865
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,838/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,782
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,957
−HK$1,194/mo
Today · 4.125%
HK$40,151
baseline
▲ 0.50% · 4.625%
HK$42,594
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,302/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,032
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,159
−HK$1,144/mo
Today · 4.125%
HK$44,303
baseline
▲ 0.50% · 4.625%
HK$46,638
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,606/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,079
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,450
−HK$1,393/mo
Today · 4.125%
HK$46,843
baseline
▲ 0.50% · 4.625%
HK$49,693
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,686/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,037
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,352
−HK$1,335/mo
Today · 4.125%
HK$51,687
baseline
▲ 0.50% · 4.625%
HK$54,411
+HK$2,724/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,374/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,673
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,436
−HK$1,791/mo
Today · 4.125%
HK$60,227
baseline
▲ 0.50% · 4.625%
HK$63,891
+HK$3,664/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,454/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,048
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,739
−HK$1,715/mo
Today · 4.125%
HK$66,454
baseline
▲ 0.50% · 4.625%
HK$69,957
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,908/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,786 · Scale 2, in force from 26 Feb 2026)