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$31,465
−HK$1,973/mo
▼ 0.25% · 3.875%
HK$32,444
−HK$994/mo
Today · 4.125%
HK$33,438
baseline
▲ 0.50% · 4.625%
HK$35,473
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,876/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,005
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,944
−HK$952/mo
Today · 4.125%
HK$36,896
baseline
▲ 0.50% · 4.625%
HK$38,841
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,792/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,758
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,933
−HK$1,193/mo
Today · 4.125%
HK$40,126
baseline
▲ 0.50% · 4.625%
HK$42,568
+HK$2,442/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,252/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,006
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,132
−HK$1,143/mo
Today · 4.125%
HK$44,275
baseline
▲ 0.50% · 4.625%
HK$46,609
+HK$2,334/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,550/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,051
−HK$2,763/mo
▼ 0.25% · 3.875%
HK$45,422
−HK$1,392/mo
Today · 4.125%
HK$46,814
baseline
▲ 0.50% · 4.625%
HK$49,662
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,628/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,007
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,321
−HK$1,333/mo
Today · 4.125%
HK$51,654
baseline
▲ 0.50% · 4.625%
HK$54,377
+HK$2,723/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,308/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,637
−HK$3,552/mo
▼ 0.25% · 3.875%
HK$58,399
−HK$1,790/mo
Today · 4.125%
HK$60,189
baseline
▲ 0.50% · 4.625%
HK$63,851
+HK$3,662/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,378/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,009
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,698
−HK$1,715/mo
Today · 4.125%
HK$66,413
baseline
▲ 0.50% · 4.625%
HK$69,913
+HK$3,500/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,826/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,463 · Scale 2, in force from 26 Feb 2026)