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$31,483
−HK$1,974/mo
▼ 0.25% · 3.875%
HK$32,462
−HK$995/mo
Today · 4.125%
HK$33,457
baseline
▲ 0.50% · 4.625%
HK$35,493
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,914/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,025
−HK$1,892/mo
▼ 0.25% · 3.875%
HK$35,964
−HK$953/mo
Today · 4.125%
HK$36,917
baseline
▲ 0.50% · 4.625%
HK$38,863
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,834/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,780
−HK$2,369/mo
▼ 0.25% · 3.875%
HK$38,955
−HK$1,194/mo
Today · 4.125%
HK$40,149
baseline
▲ 0.50% · 4.625%
HK$42,592
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$80,298/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,029
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,157
−HK$1,143/mo
Today · 4.125%
HK$44,300
baseline
▲ 0.50% · 4.625%
HK$46,635
+HK$2,335/mo
Deposit HK$5.52M · loan HK$8.28M · min. income ≈ HK$88,600/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,076
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,447
−HK$1,393/mo
Today · 4.125%
HK$46,840
baseline
▲ 0.50% · 4.625%
HK$49,690
+HK$2,850/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$93,680/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,034
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,349
−HK$1,335/mo
Today · 4.125%
HK$51,684
baseline
▲ 0.50% · 4.625%
HK$54,408
+HK$2,724/mo
Deposit HK$4.14M · loan HK$9.66M · min. income ≈ HK$103,368/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,669
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,432
−HK$1,791/mo
Today · 4.125%
HK$60,223
baseline
▲ 0.50% · 4.625%
HK$63,888
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,446/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,044
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,735
−HK$1,715/mo
Today · 4.125%
HK$66,450
baseline
▲ 0.50% · 4.625%
HK$69,953
+HK$3,503/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,900/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,755 · Scale 2, in force from 26 Feb 2026)