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$31,663
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,648
−HK$1,000/mo
Today · 4.125%
HK$33,648
baseline
▲ 0.50% · 4.625%
HK$35,696
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,296/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,225
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,169
−HK$959/mo
Today · 4.125%
HK$37,128
baseline
▲ 0.50% · 4.625%
HK$39,085
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,256/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,995
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,177
−HK$1,201/mo
Today · 4.125%
HK$40,378
baseline
▲ 0.50% · 4.625%
HK$42,835
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,756/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,270
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,403
−HK$1,150/mo
Today · 4.125%
HK$44,553
baseline
▲ 0.50% · 4.625%
HK$46,902
+HK$2,349/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,106/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,328
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,707
−HK$1,401/mo
Today · 4.125%
HK$47,108
baseline
▲ 0.50% · 4.625%
HK$49,974
+HK$2,866/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,216/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,314
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,637
−HK$1,342/mo
Today · 4.125%
HK$51,979
baseline
▲ 0.50% · 4.625%
HK$54,719
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,958/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,993
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,766
−HK$1,801/mo
Today · 4.125%
HK$60,567
baseline
▲ 0.50% · 4.625%
HK$64,252
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,134/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,404
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,105
−HK$1,725/mo
Today · 4.125%
HK$66,830
baseline
▲ 0.50% · 4.625%
HK$70,353
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,660/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,713 · Scale 2, in force from 26 Feb 2026)