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$31,667
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,652
−HK$1,000/mo
Today · 4.125%
HK$33,652
baseline
▲ 0.50% · 4.625%
HK$35,700
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,304/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,229
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,174
−HK$958/mo
Today · 4.125%
HK$37,132
baseline
▲ 0.50% · 4.625%
HK$39,089
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,264/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,000
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,182
−HK$1,201/mo
Today · 4.125%
HK$40,383
baseline
▲ 0.50% · 4.625%
HK$42,840
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,766/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,274
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,408
−HK$1,150/mo
Today · 4.125%
HK$44,558
baseline
▲ 0.50% · 4.625%
HK$46,907
+HK$2,349/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,116/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,333
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,712
−HK$1,401/mo
Today · 4.125%
HK$47,113
baseline
▲ 0.50% · 4.625%
HK$49,980
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,226/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,320
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,643
−HK$1,342/mo
Today · 4.125%
HK$51,985
baseline
▲ 0.50% · 4.625%
HK$54,725
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,970/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,000
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,773
−HK$1,801/mo
Today · 4.125%
HK$60,574
baseline
▲ 0.50% · 4.625%
HK$64,260
+HK$3,686/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,148/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,412
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,112
−HK$1,726/mo
Today · 4.125%
HK$66,838
baseline
▲ 0.50% · 4.625%
HK$70,361
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,676/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,773 · Scale 2, in force from 26 Feb 2026)