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$31,655
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,639
−HK$1,001/mo
Today · 4.125%
HK$33,640
baseline
▲ 0.50% · 4.625%
HK$35,687
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,280/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,216
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,160
−HK$958/mo
Today · 4.125%
HK$37,118
baseline
▲ 0.50% · 4.625%
HK$39,075
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,236/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,986
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,167
−HK$1,201/mo
Today · 4.125%
HK$40,368
baseline
▲ 0.50% · 4.625%
HK$42,824
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,736/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,259
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,392
−HK$1,150/mo
Today · 4.125%
HK$44,542
baseline
▲ 0.50% · 4.625%
HK$46,890
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,084/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,317
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,695
−HK$1,401/mo
Today · 4.125%
HK$47,096
baseline
▲ 0.50% · 4.625%
HK$49,961
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,192/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,302
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,624
−HK$1,342/mo
Today · 4.125%
HK$51,966
baseline
▲ 0.50% · 4.625%
HK$54,705
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,932/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,979
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,751
−HK$1,801/mo
Today · 4.125%
HK$60,552
baseline
▲ 0.50% · 4.625%
HK$64,236
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,104/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,388
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,088
−HK$1,725/mo
Today · 4.125%
HK$66,813
baseline
▲ 0.50% · 4.625%
HK$70,335
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,626/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,580 · Scale 2, in force from 26 Feb 2026)