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$31,656
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,641
−HK$1,000/mo
Today · 4.125%
HK$33,641
baseline
▲ 0.50% · 4.625%
HK$35,688
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,282/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,217
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,161
−HK$959/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,076
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,987
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,169
−HK$1,200/mo
Today · 4.125%
HK$40,369
baseline
▲ 0.50% · 4.625%
HK$42,826
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,738/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,260
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,394
−HK$1,149/mo
Today · 4.125%
HK$44,543
baseline
▲ 0.50% · 4.625%
HK$46,891
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,086/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,318
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,697
−HK$1,400/mo
Today · 4.125%
HK$47,097
baseline
▲ 0.50% · 4.625%
HK$49,963
+HK$2,866/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,194/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,304
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,626
−HK$1,341/mo
Today · 4.125%
HK$51,967
baseline
▲ 0.50% · 4.625%
HK$54,707
+HK$2,740/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,934/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,981
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,753
−HK$1,801/mo
Today · 4.125%
HK$60,554
baseline
▲ 0.50% · 4.625%
HK$64,238
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,108/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,598 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,390
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,090
−HK$1,725/mo
Today · 4.125%
HK$66,815
baseline
▲ 0.50% · 4.625%
HK$70,337
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,630/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,598 · Scale 2, in force from 26 Feb 2026)