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$31,677
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,663
−HK$1,001/mo
Today · 4.125%
HK$33,664
baseline
▲ 0.50% · 4.625%
HK$35,712
+HK$2,048/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,328/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,241
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,186
−HK$959/mo
Today · 4.125%
HK$37,145
baseline
▲ 0.50% · 4.625%
HK$39,103
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,290/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,013
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,195
−HK$1,201/mo
Today · 4.125%
HK$40,396
baseline
▲ 0.50% · 4.625%
HK$42,855
+HK$2,459/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,792/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,289
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,423
−HK$1,151/mo
Today · 4.125%
HK$44,574
baseline
▲ 0.50% · 4.625%
HK$46,923
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,148/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,348
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,728
−HK$1,401/mo
Today · 4.125%
HK$47,129
baseline
▲ 0.50% · 4.625%
HK$49,997
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,258/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,337
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,660
−HK$1,342/mo
Today · 4.125%
HK$52,002
baseline
▲ 0.50% · 4.625%
HK$54,744
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$104,004/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,019
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,793
−HK$1,802/mo
Today · 4.125%
HK$60,595
baseline
▲ 0.50% · 4.625%
HK$64,282
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,190/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,433
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,134
−HK$1,726/mo
Today · 4.125%
HK$66,860
baseline
▲ 0.50% · 4.625%
HK$70,385
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,720/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,950 · Scale 2, in force from 26 Feb 2026)