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$31,639
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,623
−HK$1,000/mo
Today · 4.125%
HK$33,623
baseline
▲ 0.50% · 4.625%
HK$35,669
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,246/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,198
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,142
−HK$958/mo
Today · 4.125%
HK$37,100
baseline
▲ 0.50% · 4.625%
HK$39,055
+HK$1,955/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,200/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,967
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,148
−HK$1,200/mo
Today · 4.125%
HK$40,348
baseline
▲ 0.50% · 4.625%
HK$42,803
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,696/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,238
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,370
−HK$1,150/mo
Today · 4.125%
HK$44,520
baseline
▲ 0.50% · 4.625%
HK$46,866
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,040/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,294
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,672
−HK$1,400/mo
Today · 4.125%
HK$47,072
baseline
▲ 0.50% · 4.625%
HK$49,936
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,144/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,277
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,599
−HK$1,340/mo
Today · 4.125%
HK$51,939
baseline
▲ 0.50% · 4.625%
HK$54,677
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,878/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,950
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,722
−HK$1,799/mo
Today · 4.125%
HK$60,521
baseline
▲ 0.50% · 4.625%
HK$64,204
+HK$3,683/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,042/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,356
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,056
−HK$1,723/mo
Today · 4.125%
HK$66,779
baseline
▲ 0.50% · 4.625%
HK$70,299
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,558/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,319 · Scale 2, in force from 26 Feb 2026)