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$31,718
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$1,002/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,757
+HK$2,051/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,285
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,232
−HK$960/mo
Today · 4.125%
HK$37,192
baseline
▲ 0.50% · 4.625%
HK$39,152
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,384/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,061
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,245
−HK$1,203/mo
Today · 4.125%
HK$40,448
baseline
▲ 0.50% · 4.625%
HK$42,909
+HK$2,461/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$80,896/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,343
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,478
−HK$1,152/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$46,983
+HK$2,353/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,405
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,786
−HK$1,403/mo
Today · 4.125%
HK$47,189
baseline
▲ 0.50% · 4.625%
HK$50,060
+HK$2,871/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,378/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,400
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,724
−HK$1,344/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$54,813
+HK$2,745/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,092
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,867
−HK$1,805/mo
Today · 4.125%
HK$60,672
baseline
▲ 0.50% · 4.625%
HK$64,363
+HK$3,691/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,344/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,514
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,217
−HK$1,728/mo
Today · 4.125%
HK$66,945
baseline
▲ 0.50% · 4.625%
HK$70,474
+HK$3,529/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,890/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,611 · Scale 2, in force from 26 Feb 2026)