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$31,459
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,437
−HK$994/mo
Today · 4.125%
HK$33,431
baseline
▲ 0.50% · 4.625%
HK$35,466
+HK$2,035/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,862/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,997
−HK$1,891/mo
▼ 0.25% · 3.875%
HK$35,936
−HK$952/mo
Today · 4.125%
HK$36,888
baseline
▲ 0.50% · 4.625%
HK$38,833
+HK$1,945/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,776/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,750
−HK$2,368/mo
▼ 0.25% · 3.875%
HK$38,925
−HK$1,193/mo
Today · 4.125%
HK$40,118
baseline
▲ 0.50% · 4.625%
HK$42,559
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,236/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,997
−HK$2,269/mo
▼ 0.25% · 3.875%
HK$43,123
−HK$1,143/mo
Today · 4.125%
HK$44,266
baseline
▲ 0.50% · 4.625%
HK$46,599
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,532/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,042
−HK$2,762/mo
▼ 0.25% · 3.875%
HK$45,412
−HK$1,392/mo
Today · 4.125%
HK$46,804
baseline
▲ 0.50% · 4.625%
HK$49,652
+HK$2,848/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,608/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,996
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,311
−HK$1,333/mo
Today · 4.125%
HK$51,644
baseline
▲ 0.50% · 4.625%
HK$54,366
+HK$2,722/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,288/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,626
−HK$3,551/mo
▼ 0.25% · 3.875%
HK$58,387
−HK$1,790/mo
Today · 4.125%
HK$60,177
baseline
▲ 0.50% · 4.625%
HK$63,838
+HK$3,661/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,354/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,355 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,995
−HK$3,404/mo
▼ 0.25% · 3.875%
HK$64,685
−HK$1,714/mo
Today · 4.125%
HK$66,399
baseline
▲ 0.50% · 4.625%
HK$69,899
+HK$3,500/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,798/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,355 · Scale 2, in force from 26 Feb 2026)