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$31,489
−HK$1,975/mo
▼ 0.25% · 3.875%
HK$32,469
−HK$995/mo
Today · 4.125%
HK$33,464
baseline
▲ 0.50% · 4.625%
HK$35,500
+HK$2,036/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,928/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,031
−HK$1,893/mo
▼ 0.25% · 3.875%
HK$35,971
−HK$953/mo
Today · 4.125%
HK$36,924
baseline
▲ 0.50% · 4.625%
HK$38,870
+HK$1,946/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,848/mo (50% DSR)
Upfront cash ≈ HK$7.42M (deposit + AVD stamp duty HK$517,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,787
−HK$2,370/mo
▼ 0.25% · 3.875%
HK$38,963
−HK$1,194/mo
Today · 4.125%
HK$40,157
baseline
▲ 0.50% · 4.625%
HK$42,600
+HK$2,443/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$80,314/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,038
−HK$2,271/mo
▼ 0.25% · 3.875%
HK$43,165
−HK$1,144/mo
Today · 4.125%
HK$44,309
baseline
▲ 0.50% · 4.625%
HK$46,645
+HK$2,336/mo
Deposit HK$5.52M · loan HK$8.29M · min. income ≈ HK$88,618/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$517,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,085
−HK$2,764/mo
▼ 0.25% · 3.875%
HK$45,456
−HK$1,393/mo
Today · 4.125%
HK$46,849
baseline
▲ 0.50% · 4.625%
HK$49,700
+HK$2,851/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$93,698/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,044
−HK$2,650/mo
▼ 0.25% · 3.875%
HK$50,359
−HK$1,335/mo
Today · 4.125%
HK$51,694
baseline
▲ 0.50% · 4.625%
HK$54,419
+HK$2,725/mo
Deposit HK$4.14M · loan HK$9.67M · min. income ≈ HK$103,388/mo (50% DSR)
Upfront cash ≈ HK$4.66M (deposit + AVD stamp duty HK$517,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,681
−HK$3,554/mo
▼ 0.25% · 3.875%
HK$58,444
−HK$1,791/mo
Today · 4.125%
HK$60,235
baseline
▲ 0.50% · 4.625%
HK$63,900
+HK$3,665/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$120,470/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,057
−HK$3,406/mo
▼ 0.25% · 3.875%
HK$64,748
−HK$1,715/mo
Today · 4.125%
HK$66,463
baseline
▲ 0.50% · 4.625%
HK$69,967
+HK$3,504/mo
Deposit HK$1.38M · loan HK$12.43M · min. income ≈ HK$132,926/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,858 · Scale 2, in force from 26 Feb 2026)