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$31,643
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$1,000/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,674
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,254/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,203
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,147
−HK$958/mo
Today · 4.125%
HK$37,105
baseline
▲ 0.50% · 4.625%
HK$39,060
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,210/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,972
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,153
−HK$1,200/mo
Today · 4.125%
HK$40,353
baseline
▲ 0.50% · 4.625%
HK$42,808
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,706/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,243
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,376
−HK$1,150/mo
Today · 4.125%
HK$44,526
baseline
▲ 0.50% · 4.625%
HK$46,873
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,052/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,678
−HK$1,400/mo
Today · 4.125%
HK$47,078
baseline
▲ 0.50% · 4.625%
HK$49,943
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,156/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,284
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,606
−HK$1,340/mo
Today · 4.125%
HK$51,946
baseline
▲ 0.50% · 4.625%
HK$54,685
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,892/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,958
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,729
−HK$1,800/mo
Today · 4.125%
HK$60,529
baseline
▲ 0.50% · 4.625%
HK$64,213
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,058/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,365
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,064
−HK$1,724/mo
Today · 4.125%
HK$66,788
baseline
▲ 0.50% · 4.625%
HK$70,309
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,576/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,389 · Scale 2, in force from 26 Feb 2026)