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$31,488
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,468
−HK$995/mo
Today · 4.125%
HK$33,463
baseline
▲ 0.50% · 4.625%
HK$35,499
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,926/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,030
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,970
−HK$953/mo
Today · 4.125%
HK$36,923
baseline
▲ 0.50% · 4.625%
HK$38,869
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,846/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,786
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,961
−HK$1,195/mo
Today · 4.125%
HK$40,156
baseline
▲ 0.50% · 4.625%
HK$42,599
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,312/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,037
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,164
−HK$1,144/mo
Today · 4.125%
HK$44,308
baseline
▲ 0.50% · 4.625%
HK$46,643
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,616/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,084
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,455
−HK$1,393/mo
Today · 4.125%
HK$46,848
baseline
▲ 0.50% · 4.625%
HK$49,699
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,696/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,043
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,358
−HK$1,334/mo
Today · 4.125%
HK$51,692
baseline
▲ 0.50% · 4.625%
HK$54,417
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,384/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,679
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,442
−HK$1,791/mo
Today · 4.125%
HK$60,233
baseline
▲ 0.50% · 4.625%
HK$63,898
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,466/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,842 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,055
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,746
−HK$1,715/mo
Today · 4.125%
HK$66,461
baseline
▲ 0.50% · 4.625%
HK$69,965
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,922/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,842 · Scale 2, in force from 26 Feb 2026)