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$31,625
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,608
−HK$1,000/mo
Today · 4.125%
HK$33,608
baseline
▲ 0.50% · 4.625%
HK$35,653
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,216/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,182
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,126
−HK$957/mo
Today · 4.125%
HK$37,083
baseline
▲ 0.50% · 4.625%
HK$39,038
+HK$1,955/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,166/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,950
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,199/mo
Today · 4.125%
HK$40,329
baseline
▲ 0.50% · 4.625%
HK$42,783
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,658/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,219
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,351
−HK$1,149/mo
Today · 4.125%
HK$44,500
baseline
▲ 0.50% · 4.625%
HK$46,845
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,000/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,275
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,652
−HK$1,399/mo
Today · 4.125%
HK$47,051
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,102/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,255
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,576
−HK$1,340/mo
Today · 4.125%
HK$51,916
baseline
▲ 0.50% · 4.625%
HK$54,653
+HK$2,737/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,832/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,925
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,695
−HK$1,799/mo
Today · 4.125%
HK$60,494
baseline
▲ 0.50% · 4.625%
HK$64,175
+HK$3,681/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,988/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,086 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,328
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,026
−HK$1,723/mo
Today · 4.125%
HK$66,749
baseline
▲ 0.50% · 4.625%
HK$70,268
+HK$3,519/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,498/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,086 · Scale 2, in force from 26 Feb 2026)