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$31,712
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,698
−HK$1,002/mo
Today · 4.125%
HK$33,700
baseline
▲ 0.50% · 4.625%
HK$35,751
+HK$2,051/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,400/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,279
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,225
−HK$960/mo
Today · 4.125%
HK$37,185
baseline
▲ 0.50% · 4.625%
HK$39,145
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,370/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,054
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,238
−HK$1,202/mo
Today · 4.125%
HK$40,440
baseline
▲ 0.50% · 4.625%
HK$42,901
+HK$2,461/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,880/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,335
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,470
−HK$1,152/mo
Today · 4.125%
HK$44,622
baseline
▲ 0.50% · 4.625%
HK$46,974
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,244/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,396
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,777
−HK$1,403/mo
Today · 4.125%
HK$47,180
baseline
▲ 0.50% · 4.625%
HK$50,051
+HK$2,871/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,360/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,390
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,715
−HK$1,344/mo
Today · 4.125%
HK$52,059
baseline
▲ 0.50% · 4.625%
HK$54,803
+HK$2,744/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,118/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,081
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,856
−HK$1,804/mo
Today · 4.125%
HK$60,660
baseline
▲ 0.50% · 4.625%
HK$64,351
+HK$3,691/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,320/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,502
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,205
−HK$1,728/mo
Today · 4.125%
HK$66,933
baseline
▲ 0.50% · 4.625%
HK$70,461
+HK$3,528/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,866/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,514 · Scale 2, in force from 26 Feb 2026)