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$31,714
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,701
−HK$1,002/mo
Today · 4.125%
HK$33,703
baseline
▲ 0.50% · 4.625%
HK$35,754
+HK$2,051/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,406/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,282
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,228
−HK$960/mo
Today · 4.125%
HK$37,188
baseline
▲ 0.50% · 4.625%
HK$39,148
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,376/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,057
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,241
−HK$1,203/mo
Today · 4.125%
HK$40,444
baseline
▲ 0.50% · 4.625%
HK$42,905
+HK$2,461/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,888/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,338
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,474
−HK$1,152/mo
Today · 4.125%
HK$44,626
baseline
▲ 0.50% · 4.625%
HK$46,978
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,252/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,400
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,781
−HK$1,403/mo
Today · 4.125%
HK$47,184
baseline
▲ 0.50% · 4.625%
HK$50,056
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,368/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,395
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,719
−HK$1,344/mo
Today · 4.125%
HK$52,063
baseline
▲ 0.50% · 4.625%
HK$54,808
+HK$2,745/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,126/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,086
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,862
−HK$1,804/mo
Today · 4.125%
HK$60,666
baseline
▲ 0.50% · 4.625%
HK$64,357
+HK$3,691/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,332/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,508
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,211
−HK$1,728/mo
Today · 4.125%
HK$66,939
baseline
▲ 0.50% · 4.625%
HK$70,467
+HK$3,528/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,878/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,560 · Scale 2, in force from 26 Feb 2026)