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$31,683
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,668
−HK$1,002/mo
Today · 4.125%
HK$33,670
baseline
▲ 0.50% · 4.625%
HK$35,718
+HK$2,048/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,340/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,247
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,192
−HK$959/mo
Today · 4.125%
HK$37,151
baseline
▲ 0.50% · 4.625%
HK$39,110
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,302/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,020
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,202
−HK$1,202/mo
Today · 4.125%
HK$40,404
baseline
▲ 0.50% · 4.625%
HK$42,862
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,808/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,296
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,431
−HK$1,151/mo
Today · 4.125%
HK$44,582
baseline
▲ 0.50% · 4.625%
HK$46,931
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,164/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,356
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,736
−HK$1,402/mo
Today · 4.125%
HK$47,138
baseline
▲ 0.50% · 4.625%
HK$50,006
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,276/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,346
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,669
−HK$1,343/mo
Today · 4.125%
HK$52,012
baseline
▲ 0.50% · 4.625%
HK$54,753
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,024/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,029
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,803
−HK$1,803/mo
Today · 4.125%
HK$60,606
baseline
▲ 0.50% · 4.625%
HK$64,293
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,212/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,445
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,146
−HK$1,726/mo
Today · 4.125%
HK$66,872
baseline
▲ 0.50% · 4.625%
HK$70,397
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,744/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,043 · Scale 2, in force from 26 Feb 2026)