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$31,478
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,458
−HK$994/mo
Today · 4.125%
HK$33,452
baseline
▲ 0.50% · 4.625%
HK$35,488
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,904/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,019
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,959
−HK$952/mo
Today · 4.125%
HK$36,911
baseline
▲ 0.50% · 4.625%
HK$38,857
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,822/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,774
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,949
−HK$1,194/mo
Today · 4.125%
HK$40,143
baseline
▲ 0.50% · 4.625%
HK$42,585
+HK$2,442/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,286/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,023
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,150
−HK$1,144/mo
Today · 4.125%
HK$44,294
baseline
▲ 0.50% · 4.625%
HK$46,628
+HK$2,334/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,588/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,070
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,441
−HK$1,392/mo
Today · 4.125%
HK$46,833
baseline
▲ 0.50% · 4.625%
HK$49,683
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,666/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,027
−HK$2,649/mo
▼ 0.25% · 3.875%
HK$50,342
−HK$1,334/mo
Today · 4.125%
HK$51,676
baseline
▲ 0.50% · 4.625%
HK$54,400
+HK$2,724/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,352/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,661
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,424
−HK$1,790/mo
Today · 4.125%
HK$60,214
baseline
▲ 0.50% · 4.625%
HK$63,878
+HK$3,664/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,428/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,035
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,726
−HK$1,715/mo
Today · 4.125%
HK$66,441
baseline
▲ 0.50% · 4.625%
HK$69,943
+HK$3,502/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,882/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,680 · Scale 2, in force from 26 Feb 2026)