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$31,697
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,683
−HK$1,002/mo
Today · 4.125%
HK$33,685
baseline
▲ 0.50% · 4.625%
HK$35,735
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,370/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,263
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,209
−HK$959/mo
Today · 4.125%
HK$37,168
baseline
▲ 0.50% · 4.625%
HK$39,127
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,336/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,037
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,220
−HK$1,202/mo
Today · 4.125%
HK$40,422
baseline
▲ 0.50% · 4.625%
HK$42,882
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,844/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,315
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,450
−HK$1,152/mo
Today · 4.125%
HK$44,602
baseline
▲ 0.50% · 4.625%
HK$46,953
+HK$2,351/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,204/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,376
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,757
−HK$1,402/mo
Today · 4.125%
HK$47,159
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,869/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,318/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,368
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,692
−HK$1,343/mo
Today · 4.125%
HK$52,035
baseline
▲ 0.50% · 4.625%
HK$54,778
+HK$2,743/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,070/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,055
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,830
−HK$1,803/mo
Today · 4.125%
HK$60,633
baseline
▲ 0.50% · 4.625%
HK$64,322
+HK$3,689/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,266/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,473
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,176
−HK$1,726/mo
Today · 4.125%
HK$66,902
baseline
▲ 0.50% · 4.625%
HK$70,429
+HK$3,527/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,804/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,279 · Scale 2, in force from 26 Feb 2026)