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$31,695
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,681
−HK$1,002/mo
Today · 4.125%
HK$33,683
baseline
▲ 0.50% · 4.625%
HK$35,732
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,366/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,260
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,206
−HK$959/mo
Today · 4.125%
HK$37,165
baseline
▲ 0.50% · 4.625%
HK$39,125
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,330/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,034
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,217
−HK$1,202/mo
Today · 4.125%
HK$40,419
baseline
▲ 0.50% · 4.625%
HK$42,879
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,838/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,313
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,447
−HK$1,152/mo
Today · 4.125%
HK$44,599
baseline
▲ 0.50% · 4.625%
HK$46,949
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,198/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,373
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,753
−HK$1,403/mo
Today · 4.125%
HK$47,156
baseline
▲ 0.50% · 4.625%
HK$50,025
+HK$2,869/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,312/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,365
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,689
−HK$1,343/mo
Today · 4.125%
HK$52,032
baseline
▲ 0.50% · 4.625%
HK$54,774
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,064/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,051
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,826
−HK$1,803/mo
Today · 4.125%
HK$60,629
baseline
▲ 0.50% · 4.625%
HK$64,318
+HK$3,689/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,258/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,469
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,171
−HK$1,727/mo
Today · 4.125%
HK$66,898
baseline
▲ 0.50% · 4.625%
HK$70,424
+HK$3,526/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,796/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,243 · Scale 2, in force from 26 Feb 2026)