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$31,479
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,458
−HK$995/mo
Today · 4.125%
HK$33,453
baseline
▲ 0.50% · 4.625%
HK$35,489
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,906/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,020
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,960
−HK$952/mo
Today · 4.125%
HK$36,912
baseline
▲ 0.50% · 4.625%
HK$38,858
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,824/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,775
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,950
−HK$1,194/mo
Today · 4.125%
HK$40,144
baseline
▲ 0.50% · 4.625%
HK$42,587
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,288/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,024
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,152
−HK$1,143/mo
Today · 4.125%
HK$44,295
baseline
▲ 0.50% · 4.625%
HK$46,630
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,590/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,071
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,442
−HK$1,393/mo
Today · 4.125%
HK$46,835
baseline
▲ 0.50% · 4.625%
HK$49,684
+HK$2,849/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,670/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,029
−HK$2,648/mo
▼ 0.25% · 3.875%
HK$50,343
−HK$1,334/mo
Today · 4.125%
HK$51,677
baseline
▲ 0.50% · 4.625%
HK$54,401
+HK$2,724/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,354/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,663
−HK$3,553/mo
▼ 0.25% · 3.875%
HK$58,425
−HK$1,791/mo
Today · 4.125%
HK$60,216
baseline
▲ 0.50% · 4.625%
HK$63,880
+HK$3,664/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$120,432/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,037
−HK$3,405/mo
▼ 0.25% · 3.875%
HK$64,727
−HK$1,715/mo
Today · 4.125%
HK$66,442
baseline
▲ 0.50% · 4.625%
HK$69,945
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.42M · min. income ≈ HK$132,884/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,694 · Scale 2, in force from 26 Feb 2026)