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$31,721
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,707
−HK$1,003/mo
Today · 4.125%
HK$33,710
baseline
▲ 0.50% · 4.625%
HK$35,761
+HK$2,051/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$67,420/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,289
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$36,235
−HK$961/mo
Today · 4.125%
HK$37,196
baseline
▲ 0.50% · 4.625%
HK$39,156
+HK$1,960/mo
Deposit HK$6.96M · loan HK$6.96M · min. income ≈ HK$74,392/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,065
−HK$2,387/mo
▼ 0.25% · 3.875%
HK$39,249
−HK$1,203/mo
Today · 4.125%
HK$40,452
baseline
▲ 0.50% · 4.625%
HK$42,913
+HK$2,461/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$80,904/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,347
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,482
−HK$1,153/mo
Today · 4.125%
HK$44,635
baseline
▲ 0.50% · 4.625%
HK$46,987
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$89,270/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,409
−HK$2,785/mo
▼ 0.25% · 3.875%
HK$45,790
−HK$1,404/mo
Today · 4.125%
HK$47,194
baseline
▲ 0.50% · 4.625%
HK$50,065
+HK$2,871/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,388/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,405
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,730
−HK$1,344/mo
Today · 4.125%
HK$52,074
baseline
▲ 0.50% · 4.625%
HK$54,819
+HK$2,745/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,148/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,097
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,873
−HK$1,805/mo
Today · 4.125%
HK$60,678
baseline
▲ 0.50% · 4.625%
HK$64,370
+HK$3,692/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,356/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,664 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,520
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,224
−HK$1,728/mo
Today · 4.125%
HK$66,952
baseline
▲ 0.50% · 4.625%
HK$70,481
+HK$3,529/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,904/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,664 · Scale 2, in force from 26 Feb 2026)