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$31,654
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$1,000/mo
Today · 4.125%
HK$33,639
baseline
▲ 0.50% · 4.625%
HK$35,686
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,278/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,215
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,159
−HK$958/mo
Today · 4.125%
HK$37,117
baseline
▲ 0.50% · 4.625%
HK$39,074
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,234/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,985
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,166
−HK$1,201/mo
Today · 4.125%
HK$40,367
baseline
▲ 0.50% · 4.625%
HK$42,823
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,734/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,258
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,391
−HK$1,150/mo
Today · 4.125%
HK$44,541
baseline
▲ 0.50% · 4.625%
HK$46,888
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,082/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,315
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,694
−HK$1,400/mo
Today · 4.125%
HK$47,094
baseline
▲ 0.50% · 4.625%
HK$49,960
+HK$2,866/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,188/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,301
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,623
−HK$1,341/mo
Today · 4.125%
HK$51,964
baseline
▲ 0.50% · 4.625%
HK$54,703
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,928/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,977
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,749
−HK$1,801/mo
Today · 4.125%
HK$60,550
baseline
▲ 0.50% · 4.625%
HK$64,234
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,100/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,565 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,386
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,086
−HK$1,725/mo
Today · 4.125%
HK$66,811
baseline
▲ 0.50% · 4.625%
HK$70,333
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,622/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,565 · Scale 2, in force from 26 Feb 2026)