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$31,658
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,643
−HK$1,000/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,691
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,219
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,164
−HK$958/mo
Today · 4.125%
HK$37,122
baseline
▲ 0.50% · 4.625%
HK$39,079
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,244/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,990
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,201/mo
Today · 4.125%
HK$40,372
baseline
▲ 0.50% · 4.625%
HK$42,829
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,744/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,263
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,397
−HK$1,150/mo
Today · 4.125%
HK$44,547
baseline
▲ 0.50% · 4.625%
HK$46,895
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,094/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,321
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,700
−HK$1,401/mo
Today · 4.125%
HK$47,101
baseline
▲ 0.50% · 4.625%
HK$49,967
+HK$2,866/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,202/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,307
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,630
−HK$1,341/mo
Today · 4.125%
HK$51,971
baseline
▲ 0.50% · 4.625%
HK$54,711
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,942/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,985
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,757
−HK$1,801/mo
Today · 4.125%
HK$60,558
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,116/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,635 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,395
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,095
−HK$1,725/mo
Today · 4.125%
HK$66,820
baseline
▲ 0.50% · 4.625%
HK$70,342
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,640/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,635 · Scale 2, in force from 26 Feb 2026)