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$31,691
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,677
−HK$1,001/mo
Today · 4.125%
HK$33,678
baseline
▲ 0.50% · 4.625%
HK$35,728
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,356/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,256
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,202
−HK$959/mo
Today · 4.125%
HK$37,161
baseline
▲ 0.50% · 4.625%
HK$39,120
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,322/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,029
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,212
−HK$1,202/mo
Today · 4.125%
HK$40,414
baseline
▲ 0.50% · 4.625%
HK$42,873
+HK$2,459/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,828/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,307
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,442
−HK$1,151/mo
Today · 4.125%
HK$44,593
baseline
▲ 0.50% · 4.625%
HK$46,943
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,186/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,367
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,748
−HK$1,402/mo
Today · 4.125%
HK$47,150
baseline
▲ 0.50% · 4.625%
HK$50,019
+HK$2,869/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,300/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,358
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,682
−HK$1,343/mo
Today · 4.125%
HK$52,025
baseline
▲ 0.50% · 4.625%
HK$54,767
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,050/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,044
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,818
−HK$1,803/mo
Today · 4.125%
HK$60,621
baseline
▲ 0.50% · 4.625%
HK$64,310
+HK$3,689/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,242/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,461
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,163
−HK$1,726/mo
Today · 4.125%
HK$66,889
baseline
▲ 0.50% · 4.625%
HK$70,415
+HK$3,526/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,778/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,176 · Scale 2, in force from 26 Feb 2026)