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$31,624
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,608
−HK$1,000/mo
Today · 4.125%
HK$33,608
baseline
▲ 0.50% · 4.625%
HK$35,653
+HK$2,045/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,216/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,182
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,125
−HK$958/mo
Today · 4.125%
HK$37,083
baseline
▲ 0.50% · 4.625%
HK$39,037
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,166/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$520,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,949
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,130
−HK$1,199/mo
Today · 4.125%
HK$40,329
baseline
▲ 0.50% · 4.625%
HK$42,783
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,658/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,218
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,351
−HK$1,148/mo
Today · 4.125%
HK$44,499
baseline
▲ 0.50% · 4.625%
HK$46,845
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,998/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,274
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,651
−HK$1,400/mo
Today · 4.125%
HK$47,051
baseline
▲ 0.50% · 4.625%
HK$49,914
+HK$2,863/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,102/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,255
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,576
−HK$1,340/mo
Today · 4.125%
HK$51,916
baseline
▲ 0.50% · 4.625%
HK$54,652
+HK$2,736/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,832/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,924
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,695
−HK$1,799/mo
Today · 4.125%
HK$60,494
baseline
▲ 0.50% · 4.625%
HK$64,175
+HK$3,681/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,988/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,081 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,327
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,026
−HK$1,723/mo
Today · 4.125%
HK$66,749
baseline
▲ 0.50% · 4.625%
HK$70,267
+HK$3,518/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,498/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,081 · Scale 2, in force from 26 Feb 2026)