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$31,449
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,427
−HK$994/mo
Today · 4.125%
HK$33,421
baseline
▲ 0.50% · 4.625%
HK$35,455
+HK$2,034/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,842/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,987
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,925
−HK$952/mo
Today · 4.125%
HK$36,877
baseline
▲ 0.50% · 4.625%
HK$38,821
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,754/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,739
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,913
−HK$1,192/mo
Today · 4.125%
HK$40,105
baseline
▲ 0.50% · 4.625%
HK$42,546
+HK$2,441/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,210/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,984
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,110
−HK$1,142/mo
Today · 4.125%
HK$44,252
baseline
▲ 0.50% · 4.625%
HK$46,585
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,504/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,028
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,398
−HK$1,391/mo
Today · 4.125%
HK$46,789
baseline
▲ 0.50% · 4.625%
HK$49,636
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,578/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,981
−HK$2,647/mo
▼ 0.25% · 3.875%
HK$50,295
−HK$1,333/mo
Today · 4.125%
HK$51,628
baseline
▲ 0.50% · 4.625%
HK$54,349
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,256/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,608
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,369
−HK$1,789/mo
Today · 4.125%
HK$60,158
baseline
▲ 0.50% · 4.625%
HK$63,818
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,316/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,976
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,665
−HK$1,713/mo
Today · 4.125%
HK$66,378
baseline
▲ 0.50% · 4.625%
HK$69,877
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,756/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,194 · Scale 2, in force from 26 Feb 2026)