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$31,669
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$1,001/mo
Today · 4.125%
HK$33,655
baseline
▲ 0.50% · 4.625%
HK$35,702
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,310/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,231
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,176
−HK$958/mo
Today · 4.125%
HK$37,134
baseline
▲ 0.50% · 4.625%
HK$39,092
+HK$1,958/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,268/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,002
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,184
−HK$1,201/mo
Today · 4.125%
HK$40,385
baseline
▲ 0.50% · 4.625%
HK$42,843
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,770/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,277
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,411
−HK$1,150/mo
Today · 4.125%
HK$44,561
baseline
▲ 0.50% · 4.625%
HK$46,910
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,122/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,336
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,715
−HK$1,401/mo
Today · 4.125%
HK$47,116
baseline
▲ 0.50% · 4.625%
HK$49,983
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,232/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,323
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,646
−HK$1,342/mo
Today · 4.125%
HK$51,988
baseline
▲ 0.50% · 4.625%
HK$54,729
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,976/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,004
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,777
−HK$1,801/mo
Today · 4.125%
HK$60,578
baseline
▲ 0.50% · 4.625%
HK$64,264
+HK$3,686/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,156/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,416
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,117
−HK$1,725/mo
Today · 4.125%
HK$66,842
baseline
▲ 0.50% · 4.625%
HK$70,365
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,684/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,808 · Scale 2, in force from 26 Feb 2026)