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$31,671
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,656
−HK$1,001/mo
Today · 4.125%
HK$33,657
baseline
▲ 0.50% · 4.625%
HK$35,705
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,314/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,234
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,179
−HK$958/mo
Today · 4.125%
HK$37,137
baseline
▲ 0.50% · 4.625%
HK$39,095
+HK$1,958/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,274/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,005
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,188
−HK$1,201/mo
Today · 4.125%
HK$40,389
baseline
▲ 0.50% · 4.625%
HK$42,846
+HK$2,457/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,778/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,281
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,415
−HK$1,150/mo
Today · 4.125%
HK$44,565
baseline
▲ 0.50% · 4.625%
HK$46,914
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,130/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,340
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,719
−HK$1,401/mo
Today · 4.125%
HK$47,120
baseline
▲ 0.50% · 4.625%
HK$49,987
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,240/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,327
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,650
−HK$1,342/mo
Today · 4.125%
HK$51,992
baseline
▲ 0.50% · 4.625%
HK$54,733
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,984/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,008
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,781
−HK$1,802/mo
Today · 4.125%
HK$60,583
baseline
▲ 0.50% · 4.625%
HK$64,269
+HK$3,686/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,166/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,421
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,122
−HK$1,725/mo
Today · 4.125%
HK$66,847
baseline
▲ 0.50% · 4.625%
HK$70,371
+HK$3,524/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,694/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,849 · Scale 2, in force from 26 Feb 2026)