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$31,630
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,614
−HK$1,000/mo
Today · 4.125%
HK$33,614
baseline
▲ 0.50% · 4.625%
HK$35,659
+HK$2,045/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,228/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,189
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,132
−HK$958/mo
Today · 4.125%
HK$37,090
baseline
▲ 0.50% · 4.625%
HK$39,045
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,180/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,957
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,137
−HK$1,200/mo
Today · 4.125%
HK$40,337
baseline
▲ 0.50% · 4.625%
HK$42,791
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,674/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,226
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,359
−HK$1,149/mo
Today · 4.125%
HK$44,508
baseline
▲ 0.50% · 4.625%
HK$46,854
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,016/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,283
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,660
−HK$1,399/mo
Today · 4.125%
HK$47,059
baseline
▲ 0.50% · 4.625%
HK$49,923
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,118/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,264
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,585
−HK$1,341/mo
Today · 4.125%
HK$51,926
baseline
▲ 0.50% · 4.625%
HK$54,663
+HK$2,737/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,852/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,935
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,706
−HK$1,799/mo
Today · 4.125%
HK$60,505
baseline
▲ 0.50% · 4.625%
HK$64,187
+HK$3,682/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$121,010/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,179 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,339
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,038
−HK$1,723/mo
Today · 4.125%
HK$66,761
baseline
▲ 0.50% · 4.625%
HK$70,280
+HK$3,519/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,522/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,179 · Scale 2, in force from 26 Feb 2026)