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$31,699
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,686
−HK$1,001/mo
Today · 4.125%
HK$33,687
baseline
▲ 0.50% · 4.625%
HK$35,737
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,374/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,265
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,211
−HK$960/mo
Today · 4.125%
HK$37,171
baseline
▲ 0.50% · 4.625%
HK$39,130
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,342/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,039
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,223
−HK$1,202/mo
Today · 4.125%
HK$40,425
baseline
▲ 0.50% · 4.625%
HK$42,885
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,850/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,318
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,453
−HK$1,152/mo
Today · 4.125%
HK$44,605
baseline
▲ 0.50% · 4.625%
HK$46,956
+HK$2,351/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,210/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,379
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,760
−HK$1,402/mo
Today · 4.125%
HK$47,162
baseline
▲ 0.50% · 4.625%
HK$50,032
+HK$2,870/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,324/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,372
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,696
−HK$1,343/mo
Today · 4.125%
HK$52,039
baseline
▲ 0.50% · 4.625%
HK$54,782
+HK$2,743/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,078/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,059
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,834
−HK$1,803/mo
Today · 4.125%
HK$60,637
baseline
▲ 0.50% · 4.625%
HK$64,327
+HK$3,690/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,274/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,478
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,180
−HK$1,727/mo
Today · 4.125%
HK$66,907
baseline
▲ 0.50% · 4.625%
HK$70,434
+HK$3,527/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,814/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,315 · Scale 2, in force from 26 Feb 2026)