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$31,649
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,633
−HK$1,000/mo
Today · 4.125%
HK$33,633
baseline
▲ 0.50% · 4.625%
HK$35,680
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,266/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,209
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,153
−HK$958/mo
Today · 4.125%
HK$37,111
baseline
▲ 0.50% · 4.625%
HK$39,067
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,222/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,978
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,160
−HK$1,200/mo
Today · 4.125%
HK$40,360
baseline
▲ 0.50% · 4.625%
HK$42,816
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,720/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,250
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,384
−HK$1,149/mo
Today · 4.125%
HK$44,533
baseline
▲ 0.50% · 4.625%
HK$46,880
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,066/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,308
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,686
−HK$1,400/mo
Today · 4.125%
HK$47,086
baseline
▲ 0.50% · 4.625%
HK$49,952
+HK$2,866/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,172/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,292
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,614
−HK$1,341/mo
Today · 4.125%
HK$51,955
baseline
▲ 0.50% · 4.625%
HK$54,694
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,910/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,967
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,739
−HK$1,801/mo
Today · 4.125%
HK$60,540
baseline
▲ 0.50% · 4.625%
HK$64,223
+HK$3,683/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,080/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,477 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,376
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,075
−HK$1,725/mo
Today · 4.125%
HK$66,800
baseline
▲ 0.50% · 4.625%
HK$70,321
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,600/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,477 · Scale 2, in force from 26 Feb 2026)