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$31,717
−HK$1,989/mo
▼ 0.25% · 3.875%
HK$32,704
−HK$1,002/mo
Today · 4.125%
HK$33,706
baseline
▲ 0.50% · 4.625%
HK$35,757
+HK$2,051/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,412/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,285
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,231
−HK$960/mo
Today · 4.125%
HK$37,191
baseline
▲ 0.50% · 4.625%
HK$39,152
+HK$1,961/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,382/mo (50% DSR)
Upfront cash ≈ HK$7.48M (deposit + AVD stamp duty HK$521,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,061
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,244
−HK$1,203/mo
Today · 4.125%
HK$40,447
baseline
▲ 0.50% · 4.625%
HK$42,908
+HK$2,461/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$80,894/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,342
−HK$2,288/mo
▼ 0.25% · 3.875%
HK$43,478
−HK$1,152/mo
Today · 4.125%
HK$44,630
baseline
▲ 0.50% · 4.625%
HK$46,982
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.35M · min. income ≈ HK$89,260/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$521,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,404
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,785
−HK$1,403/mo
Today · 4.125%
HK$47,188
baseline
▲ 0.50% · 4.625%
HK$50,060
+HK$2,872/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$94,376/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,399
−HK$2,669/mo
▼ 0.25% · 3.875%
HK$50,724
−HK$1,344/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$54,812
+HK$2,744/mo
Deposit HK$4.17M · loan HK$9.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,091
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,867
−HK$1,804/mo
Today · 4.125%
HK$60,671
baseline
▲ 0.50% · 4.625%
HK$64,363
+HK$3,692/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$121,342/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,513
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,216
−HK$1,728/mo
Today · 4.125%
HK$66,944
baseline
▲ 0.50% · 4.625%
HK$70,473
+HK$3,529/mo
Deposit HK$1.39M · loan HK$12.52M · min. income ≈ HK$133,888/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,605 · Scale 2, in force from 26 Feb 2026)