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$31,688
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,673
−HK$1,002/mo
Today · 4.125%
HK$33,675
baseline
▲ 0.50% · 4.625%
HK$35,724
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,350/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,252
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,198
−HK$959/mo
Today · 4.125%
HK$37,157
baseline
▲ 0.50% · 4.625%
HK$39,115
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,314/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,025
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,208
−HK$1,202/mo
Today · 4.125%
HK$40,410
baseline
▲ 0.50% · 4.625%
HK$42,869
+HK$2,459/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,820/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,303
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,437
−HK$1,151/mo
Today · 4.125%
HK$44,588
baseline
▲ 0.50% · 4.625%
HK$46,938
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,176/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,363
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,743
−HK$1,402/mo
Today · 4.125%
HK$47,145
baseline
▲ 0.50% · 4.625%
HK$50,013
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,290/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,353
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,677
−HK$1,342/mo
Today · 4.125%
HK$52,019
baseline
▲ 0.50% · 4.625%
HK$54,761
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,038/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,038
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,812
−HK$1,803/mo
Today · 4.125%
HK$60,615
baseline
▲ 0.50% · 4.625%
HK$64,303
+HK$3,688/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,230/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,454
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,156
−HK$1,726/mo
Today · 4.125%
HK$66,882
baseline
▲ 0.50% · 4.625%
HK$70,408
+HK$3,526/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,764/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,120 · Scale 2, in force from 26 Feb 2026)