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$31,688
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,674
−HK$1,001/mo
Today · 4.125%
HK$33,675
baseline
▲ 0.50% · 4.625%
HK$35,725
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,350/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,253
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,198
−HK$960/mo
Today · 4.125%
HK$37,158
baseline
▲ 0.50% · 4.625%
HK$39,116
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,316/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,026
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,209
−HK$1,202/mo
Today · 4.125%
HK$40,411
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,822/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,304
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,438
−HK$1,151/mo
Today · 4.125%
HK$44,589
baseline
▲ 0.50% · 4.625%
HK$46,939
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,178/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,364
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,744
−HK$1,402/mo
Today · 4.125%
HK$47,146
baseline
▲ 0.50% · 4.625%
HK$50,014
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,292/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,354
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,678
−HK$1,343/mo
Today · 4.125%
HK$52,021
baseline
▲ 0.50% · 4.625%
HK$54,763
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,042/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,039
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,813
−HK$1,803/mo
Today · 4.125%
HK$60,616
baseline
▲ 0.50% · 4.625%
HK$64,304
+HK$3,688/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,232/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,455
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,157
−HK$1,727/mo
Today · 4.125%
HK$66,884
baseline
▲ 0.50% · 4.625%
HK$70,409
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,768/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,131 · Scale 2, in force from 26 Feb 2026)