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$31,646
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,631
−HK$1,000/mo
Today · 4.125%
HK$33,631
baseline
▲ 0.50% · 4.625%
HK$35,677
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,262/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,206
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,150
−HK$958/mo
Today · 4.125%
HK$37,108
baseline
▲ 0.50% · 4.625%
HK$39,064
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,216/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,975
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,157
−HK$1,200/mo
Today · 4.125%
HK$40,357
baseline
▲ 0.50% · 4.625%
HK$42,812
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,714/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,247
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,380
−HK$1,150/mo
Today · 4.125%
HK$44,530
baseline
▲ 0.50% · 4.625%
HK$46,877
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,060/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,305
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,683
−HK$1,400/mo
Today · 4.125%
HK$47,083
baseline
▲ 0.50% · 4.625%
HK$49,948
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,166/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,289
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,610
−HK$1,341/mo
Today · 4.125%
HK$51,951
baseline
▲ 0.50% · 4.625%
HK$54,690
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,902/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,963
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,735
−HK$1,800/mo
Today · 4.125%
HK$60,535
baseline
▲ 0.50% · 4.625%
HK$64,219
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,070/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,371
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,071
−HK$1,724/mo
Today · 4.125%
HK$66,795
baseline
▲ 0.50% · 4.625%
HK$70,316
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,590/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,439 · Scale 2, in force from 26 Feb 2026)