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$31,641
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,625
−HK$1,000/mo
Today · 4.125%
HK$33,625
baseline
▲ 0.50% · 4.625%
HK$35,671
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,250/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,200
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,144
−HK$958/mo
Today · 4.125%
HK$37,102
baseline
▲ 0.50% · 4.625%
HK$39,057
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,204/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,969
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,150
−HK$1,200/mo
Today · 4.125%
HK$40,350
baseline
▲ 0.50% · 4.625%
HK$42,805
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,700/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,240
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,373
−HK$1,149/mo
Today · 4.125%
HK$44,522
baseline
▲ 0.50% · 4.625%
HK$46,869
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,044/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,297
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,675
−HK$1,400/mo
Today · 4.125%
HK$47,075
baseline
▲ 0.50% · 4.625%
HK$49,939
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,150/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,280
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,601
−HK$1,341/mo
Today · 4.125%
HK$51,942
baseline
▲ 0.50% · 4.625%
HK$54,680
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,884/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,953
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,725
−HK$1,800/mo
Today · 4.125%
HK$60,525
baseline
▲ 0.50% · 4.625%
HK$64,207
+HK$3,682/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,050/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,347 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,360
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,059
−HK$1,724/mo
Today · 4.125%
HK$66,783
baseline
▲ 0.50% · 4.625%
HK$70,303
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,566/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,347 · Scale 2, in force from 26 Feb 2026)