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$31,701
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,687
−HK$1,002/mo
Today · 4.125%
HK$33,689
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,378/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,267
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,213
−HK$959/mo
Today · 4.125%
HK$37,172
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,344/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,041
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,224
−HK$1,203/mo
Today · 4.125%
HK$40,427
baseline
▲ 0.50% · 4.625%
HK$42,887
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,854/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,320
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,455
−HK$1,152/mo
Today · 4.125%
HK$44,607
baseline
▲ 0.50% · 4.625%
HK$46,958
+HK$2,351/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,214/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,381
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,762
−HK$1,402/mo
Today · 4.125%
HK$47,164
baseline
▲ 0.50% · 4.625%
HK$50,034
+HK$2,870/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,328/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,374
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,698
−HK$1,343/mo
Today · 4.125%
HK$52,041
baseline
▲ 0.50% · 4.625%
HK$54,784
+HK$2,743/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,082/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,062
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,837
−HK$1,803/mo
Today · 4.125%
HK$60,640
baseline
▲ 0.50% · 4.625%
HK$64,330
+HK$3,690/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,280/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,481
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,183
−HK$1,727/mo
Today · 4.125%
HK$66,910
baseline
▲ 0.50% · 4.625%
HK$70,437
+HK$3,527/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,820/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,339 · Scale 2, in force from 26 Feb 2026)