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$31,622
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,605
−HK$1,000/mo
Today · 4.125%
HK$33,605
baseline
▲ 0.50% · 4.625%
HK$35,650
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,210/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,179
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,122
−HK$958/mo
Today · 4.125%
HK$37,080
baseline
▲ 0.50% · 4.625%
HK$39,034
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,160/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,946
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,127
−HK$1,199/mo
Today · 4.125%
HK$40,326
baseline
▲ 0.50% · 4.625%
HK$42,779
+HK$2,453/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,652/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,215
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,347
−HK$1,149/mo
Today · 4.125%
HK$44,496
baseline
▲ 0.50% · 4.625%
HK$46,841
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,992/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,271
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,648
−HK$1,399/mo
Today · 4.125%
HK$47,047
baseline
▲ 0.50% · 4.625%
HK$49,909
+HK$2,862/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,094/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,251
−HK$2,660/mo
▼ 0.25% · 3.875%
HK$50,571
−HK$1,340/mo
Today · 4.125%
HK$51,911
baseline
▲ 0.50% · 4.625%
HK$54,648
+HK$2,737/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,822/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,919
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,690
−HK$1,799/mo
Today · 4.125%
HK$60,489
baseline
▲ 0.50% · 4.625%
HK$64,169
+HK$3,680/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,978/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,322
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,020
−HK$1,723/mo
Today · 4.125%
HK$66,743
baseline
▲ 0.50% · 4.625%
HK$70,261
+HK$3,518/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,486/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,038 · Scale 2, in force from 26 Feb 2026)