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$31,490
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$995/mo
Today · 4.125%
HK$33,464
baseline
▲ 0.50% · 4.625%
HK$35,501
+HK$2,037/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,928/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,032
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,972
−HK$953/mo
Today · 4.125%
HK$36,925
baseline
▲ 0.50% · 4.625%
HK$38,871
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,850/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,788
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,963
−HK$1,194/mo
Today · 4.125%
HK$40,157
baseline
▲ 0.50% · 4.625%
HK$42,601
+HK$2,444/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,314/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,038
−HK$2,272/mo
▼ 0.25% · 3.875%
HK$43,166
−HK$1,144/mo
Today · 4.125%
HK$44,310
baseline
▲ 0.50% · 4.625%
HK$46,645
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,620/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,086
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,457
−HK$1,393/mo
Today · 4.125%
HK$46,850
baseline
▲ 0.50% · 4.625%
HK$49,701
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,700/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,045
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,360
−HK$1,335/mo
Today · 4.125%
HK$51,695
baseline
▲ 0.50% · 4.625%
HK$54,420
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,390/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,682
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,445
−HK$1,791/mo
Today · 4.125%
HK$60,236
baseline
▲ 0.50% · 4.625%
HK$63,901
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,472/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,058
−HK$3,407/mo
▼ 0.25% · 3.875%
HK$64,749
−HK$1,716/mo
Today · 4.125%
HK$66,465
baseline
▲ 0.50% · 4.625%
HK$69,968
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,930/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,866 · Scale 2, in force from 26 Feb 2026)