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$31,446
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,424
−HK$994/mo
Today · 4.125%
HK$33,418
baseline
▲ 0.50% · 4.625%
HK$35,451
+HK$2,033/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,836/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,983
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,921
−HK$952/mo
Today · 4.125%
HK$36,873
baseline
▲ 0.50% · 4.625%
HK$38,817
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,746/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,735
−HK$2,366/mo
▼ 0.25% · 3.875%
HK$38,909
−HK$1,192/mo
Today · 4.125%
HK$40,101
baseline
▲ 0.50% · 4.625%
HK$42,541
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,202/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,980
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,105
−HK$1,143/mo
Today · 4.125%
HK$44,248
baseline
▲ 0.50% · 4.625%
HK$46,580
+HK$2,332/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,496/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,024
−HK$2,761/mo
▼ 0.25% · 3.875%
HK$45,393
−HK$1,392/mo
Today · 4.125%
HK$46,785
baseline
▲ 0.50% · 4.625%
HK$49,631
+HK$2,846/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,570/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,976
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,290
−HK$1,332/mo
Today · 4.125%
HK$51,622
baseline
▲ 0.50% · 4.625%
HK$54,343
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,244/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,602
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,363
−HK$1,789/mo
Today · 4.125%
HK$60,152
baseline
▲ 0.50% · 4.625%
HK$63,812
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,304/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,969
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,658
−HK$1,713/mo
Today · 4.125%
HK$66,371
baseline
▲ 0.50% · 4.625%
HK$69,870
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,742/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,140 · Scale 2, in force from 26 Feb 2026)