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$31,470
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,449
−HK$995/mo
Today · 4.125%
HK$33,444
baseline
▲ 0.50% · 4.625%
HK$35,479
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,888/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,011
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,950
−HK$952/mo
Today · 4.125%
HK$36,902
baseline
▲ 0.50% · 4.625%
HK$38,847
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,804/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,765
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,939
−HK$1,194/mo
Today · 4.125%
HK$40,133
baseline
▲ 0.50% · 4.625%
HK$42,575
+HK$2,442/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,266/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,013
−HK$2,270/mo
▼ 0.25% · 3.875%
HK$43,139
−HK$1,144/mo
Today · 4.125%
HK$44,283
baseline
▲ 0.50% · 4.625%
HK$46,617
+HK$2,334/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,566/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,059
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,429
−HK$1,393/mo
Today · 4.125%
HK$46,822
baseline
▲ 0.50% · 4.625%
HK$49,671
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,644/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,015
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,329
−HK$1,334/mo
Today · 4.125%
HK$51,663
baseline
▲ 0.50% · 4.625%
HK$54,386
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,326/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,647
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,409
−HK$1,790/mo
Today · 4.125%
HK$60,199
baseline
▲ 0.50% · 4.625%
HK$63,862
+HK$3,663/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,398/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,549 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,019
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,709
−HK$1,715/mo
Today · 4.125%
HK$66,424
baseline
▲ 0.50% · 4.625%
HK$69,925
+HK$3,501/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,848/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,549 · Scale 2, in force from 26 Feb 2026)