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$31,447
−HK$1,972/mo
▼ 0.25% · 3.875%
HK$32,425
−HK$994/mo
Today · 4.125%
HK$33,419
baseline
▲ 0.50% · 4.625%
HK$35,452
+HK$2,033/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$66,838/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,984
−HK$1,890/mo
▼ 0.25% · 3.875%
HK$35,923
−HK$951/mo
Today · 4.125%
HK$36,874
baseline
▲ 0.50% · 4.625%
HK$38,818
+HK$1,944/mo
Deposit HK$6.90M · loan HK$6.90M · min. income ≈ HK$73,748/mo (50% DSR)
Upfront cash ≈ HK$7.41M (deposit + AVD stamp duty HK$517,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,736
−HK$2,367/mo
▼ 0.25% · 3.875%
HK$38,910
−HK$1,193/mo
Today · 4.125%
HK$40,103
baseline
▲ 0.50% · 4.625%
HK$42,543
+HK$2,440/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$80,206/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,981
−HK$2,268/mo
▼ 0.25% · 3.875%
HK$43,107
−HK$1,142/mo
Today · 4.125%
HK$44,249
baseline
▲ 0.50% · 4.625%
HK$46,582
+HK$2,333/mo
Deposit HK$5.52M · loan HK$8.27M · min. income ≈ HK$88,498/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$517,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,026
−HK$2,760/mo
▼ 0.25% · 3.875%
HK$45,395
−HK$1,391/mo
Today · 4.125%
HK$46,786
baseline
▲ 0.50% · 4.625%
HK$49,633
+HK$2,847/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$93,572/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,978
−HK$2,646/mo
▼ 0.25% · 3.875%
HK$50,292
−HK$1,332/mo
Today · 4.125%
HK$51,624
baseline
▲ 0.50% · 4.625%
HK$54,345
+HK$2,721/mo
Deposit HK$4.14M · loan HK$9.65M · min. income ≈ HK$103,248/mo (50% DSR)
Upfront cash ≈ HK$4.65M (deposit + AVD stamp duty HK$517,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,604
−HK$3,550/mo
▼ 0.25% · 3.875%
HK$58,365
−HK$1,789/mo
Today · 4.125%
HK$60,154
baseline
▲ 0.50% · 4.625%
HK$63,814
+HK$3,660/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$120,308/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,160 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,972
−HK$3,402/mo
▼ 0.25% · 3.875%
HK$64,661
−HK$1,713/mo
Today · 4.125%
HK$66,374
baseline
▲ 0.50% · 4.625%
HK$69,873
+HK$3,499/mo
Deposit HK$1.38M · loan HK$12.41M · min. income ≈ HK$132,748/mo (50% DSR)
Upfront cash ≈ HK$1.90M (deposit + AVD stamp duty HK$517,160 · Scale 2, in force from 26 Feb 2026)