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$31,672
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,657
−HK$1,001/mo
Today · 4.125%
HK$33,658
baseline
▲ 0.50% · 4.625%
HK$35,706
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,316/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,235
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,180
−HK$959/mo
Today · 4.125%
HK$37,139
baseline
▲ 0.50% · 4.625%
HK$39,096
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,278/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,007
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,189
−HK$1,201/mo
Today · 4.125%
HK$40,390
baseline
▲ 0.50% · 4.625%
HK$42,848
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,780/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,282
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,416
−HK$1,151/mo
Today · 4.125%
HK$44,567
baseline
▲ 0.50% · 4.625%
HK$46,916
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,134/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,341
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,720
−HK$1,402/mo
Today · 4.125%
HK$47,122
baseline
▲ 0.50% · 4.625%
HK$49,989
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,244/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,329
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,652
−HK$1,342/mo
Today · 4.125%
HK$51,994
baseline
▲ 0.50% · 4.625%
HK$54,735
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,988/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,010
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,783
−HK$1,802/mo
Today · 4.125%
HK$60,585
baseline
▲ 0.50% · 4.625%
HK$64,272
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,170/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,423
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,124
−HK$1,726/mo
Today · 4.125%
HK$66,850
baseline
▲ 0.50% · 4.625%
HK$70,374
+HK$3,524/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,700/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,868 · Scale 2, in force from 26 Feb 2026)