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$31,627
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,610
−HK$1,000/mo
Today · 4.125%
HK$33,610
baseline
▲ 0.50% · 4.625%
HK$35,655
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,220/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,184
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,128
−HK$957/mo
Today · 4.125%
HK$37,085
baseline
▲ 0.50% · 4.625%
HK$39,040
+HK$1,955/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,170/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,952
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,133
−HK$1,199/mo
Today · 4.125%
HK$40,332
baseline
▲ 0.50% · 4.625%
HK$42,786
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,664/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,221
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,354
−HK$1,148/mo
Today · 4.125%
HK$44,502
baseline
▲ 0.50% · 4.625%
HK$46,848
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,004/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,277
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,655
−HK$1,399/mo
Today · 4.125%
HK$47,054
baseline
▲ 0.50% · 4.625%
HK$49,917
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,108/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,258
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,579
−HK$1,340/mo
Today · 4.125%
HK$51,919
baseline
▲ 0.50% · 4.625%
HK$54,656
+HK$2,737/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,838/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,928
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,699
−HK$1,799/mo
Today · 4.125%
HK$60,498
baseline
▲ 0.50% · 4.625%
HK$64,179
+HK$3,681/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,996/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,332
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,030
−HK$1,724/mo
Today · 4.125%
HK$66,754
baseline
▲ 0.50% · 4.625%
HK$70,272
+HK$3,518/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,508/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,118 · Scale 2, in force from 26 Feb 2026)