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$31,620
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,603
−HK$1,000/mo
Today · 4.125%
HK$33,603
baseline
▲ 0.50% · 4.625%
HK$35,647
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,206/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,177
−HK$1,900/mo
▼ 0.25% · 3.875%
HK$36,120
−HK$957/mo
Today · 4.125%
HK$37,077
baseline
▲ 0.50% · 4.625%
HK$39,032
+HK$1,955/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,154/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,944
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,124
−HK$1,199/mo
Today · 4.125%
HK$40,323
baseline
▲ 0.50% · 4.625%
HK$42,777
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,646/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,212
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,344
−HK$1,149/mo
Today · 4.125%
HK$44,493
baseline
▲ 0.50% · 4.625%
HK$46,838
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,986/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,268
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,645
−HK$1,399/mo
Today · 4.125%
HK$47,044
baseline
▲ 0.50% · 4.625%
HK$49,906
+HK$2,862/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,088/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,247
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,568
−HK$1,340/mo
Today · 4.125%
HK$51,908
baseline
▲ 0.50% · 4.625%
HK$54,644
+HK$2,736/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,816/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,916
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,686
−HK$1,799/mo
Today · 4.125%
HK$60,485
baseline
▲ 0.50% · 4.625%
HK$64,165
+HK$3,680/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,970/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,318
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,016
−HK$1,723/mo
Today · 4.125%
HK$66,739
baseline
▲ 0.50% · 4.625%
HK$70,257
+HK$3,518/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,478/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,003 · Scale 2, in force from 26 Feb 2026)