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$31,652
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$1,000/mo
Today · 4.125%
HK$33,637
baseline
▲ 0.50% · 4.625%
HK$35,684
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,274/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,213
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,157
−HK$958/mo
Today · 4.125%
HK$37,115
baseline
▲ 0.50% · 4.625%
HK$39,071
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,230/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,983
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,164
−HK$1,200/mo
Today · 4.125%
HK$40,364
baseline
▲ 0.50% · 4.625%
HK$42,820
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,728/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,255
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,388
−HK$1,150/mo
Today · 4.125%
HK$44,538
baseline
▲ 0.50% · 4.625%
HK$46,886
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,076/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,313
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,691
−HK$1,401/mo
Today · 4.125%
HK$47,092
baseline
▲ 0.50% · 4.625%
HK$49,957
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,184/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,298
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,620
−HK$1,341/mo
Today · 4.125%
HK$51,961
baseline
▲ 0.50% · 4.625%
HK$54,700
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,922/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,974
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,746
−HK$1,801/mo
Today · 4.125%
HK$60,547
baseline
▲ 0.50% · 4.625%
HK$64,231
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,094/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,383
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,083
−HK$1,724/mo
Today · 4.125%
HK$66,807
baseline
▲ 0.50% · 4.625%
HK$70,329
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,614/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,535 · Scale 2, in force from 26 Feb 2026)