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$31,662
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,647
−HK$1,000/mo
Today · 4.125%
HK$33,647
baseline
▲ 0.50% · 4.625%
HK$35,695
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,294/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,223
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,168
−HK$958/mo
Today · 4.125%
HK$37,126
baseline
▲ 0.50% · 4.625%
HK$39,083
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,252/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,994
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,176
−HK$1,201/mo
Today · 4.125%
HK$40,377
baseline
▲ 0.50% · 4.625%
HK$42,833
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,754/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,268
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,402
−HK$1,150/mo
Today · 4.125%
HK$44,552
baseline
▲ 0.50% · 4.625%
HK$46,900
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,104/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,326
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,705
−HK$1,401/mo
Today · 4.125%
HK$47,106
baseline
▲ 0.50% · 4.625%
HK$49,972
+HK$2,866/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,212/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,313
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,635
−HK$1,342/mo
Today · 4.125%
HK$51,977
baseline
▲ 0.50% · 4.625%
HK$54,717
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,954/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,991
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,764
−HK$1,801/mo
Today · 4.125%
HK$60,565
baseline
▲ 0.50% · 4.625%
HK$64,250
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,130/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,402
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,102
−HK$1,725/mo
Today · 4.125%
HK$66,827
baseline
▲ 0.50% · 4.625%
HK$70,350
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,654/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,694 · Scale 2, in force from 26 Feb 2026)