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$31,448
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,426
−HK$994/mo
Today · 4.125%
HK$33,420
baseline
▲ 0.50% · 4.625%
HK$35,454
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,840/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,986
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,924
−HK$952/mo
Today · 4.125%
HK$36,876
baseline
▲ 0.50% · 4.625%
HK$38,820
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,752/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,738
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,912
−HK$1,192/mo
Today · 4.125%
HK$40,104
baseline
▲ 0.50% · 4.625%
HK$42,544
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,208/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,983
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,109
−HK$1,142/mo
Today · 4.125%
HK$44,251
baseline
▲ 0.50% · 4.625%
HK$46,584
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,502/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,027
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,397
−HK$1,391/mo
Today · 4.125%
HK$46,788
baseline
▲ 0.50% · 4.625%
HK$49,635
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,576/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,980
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,294
−HK$1,332/mo
Today · 4.125%
HK$51,626
baseline
▲ 0.50% · 4.625%
HK$54,347
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,252/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,607
−HK$3,549/mo
▼ 0.25% · 3.875%
HK$58,367
−HK$1,789/mo
Today · 4.125%
HK$60,156
baseline
▲ 0.50% · 4.625%
HK$63,817
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,312/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,974
−HK$3,403/mo
▼ 0.25% · 3.875%
HK$64,663
−HK$1,714/mo
Today · 4.125%
HK$66,377
baseline
▲ 0.50% · 4.625%
HK$69,875
+HK$3,498/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,754/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,181 · Scale 2, in force from 26 Feb 2026)