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$31,680
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,665
−HK$1,001/mo
Today · 4.125%
HK$33,666
baseline
▲ 0.50% · 4.625%
HK$35,715
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,332/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,243
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,188
−HK$959/mo
Today · 4.125%
HK$37,147
baseline
▲ 0.50% · 4.625%
HK$39,105
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,294/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,015
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,198
−HK$1,201/mo
Today · 4.125%
HK$40,399
baseline
▲ 0.50% · 4.625%
HK$42,858
+HK$2,459/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,798/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,292
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,426
−HK$1,151/mo
Today · 4.125%
HK$44,577
baseline
▲ 0.50% · 4.625%
HK$46,926
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,154/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,351
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,731
−HK$1,402/mo
Today · 4.125%
HK$47,133
baseline
▲ 0.50% · 4.625%
HK$50,000
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,266/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,340
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,664
−HK$1,342/mo
Today · 4.125%
HK$52,006
baseline
▲ 0.50% · 4.625%
HK$54,747
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,012/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,023
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,797
−HK$1,802/mo
Today · 4.125%
HK$60,599
baseline
▲ 0.50% · 4.625%
HK$64,286
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,198/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,438
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,139
−HK$1,726/mo
Today · 4.125%
HK$66,865
baseline
▲ 0.50% · 4.625%
HK$70,390
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,730/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,987 · Scale 2, in force from 26 Feb 2026)