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$31,643
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,627
−HK$1,000/mo
Today · 4.125%
HK$33,627
baseline
▲ 0.50% · 4.625%
HK$35,673
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,254/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,202
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,146
−HK$958/mo
Today · 4.125%
HK$37,104
baseline
▲ 0.50% · 4.625%
HK$39,060
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,208/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,971
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,152
−HK$1,200/mo
Today · 4.125%
HK$40,352
baseline
▲ 0.50% · 4.625%
HK$42,808
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,704/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,243
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,376
−HK$1,149/mo
Today · 4.125%
HK$44,525
baseline
▲ 0.50% · 4.625%
HK$46,872
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,050/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,300
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,678
−HK$1,400/mo
Today · 4.125%
HK$47,078
baseline
▲ 0.50% · 4.625%
HK$49,942
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,156/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,283
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,605
−HK$1,341/mo
Today · 4.125%
HK$51,946
baseline
▲ 0.50% · 4.625%
HK$54,684
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,892/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,957
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,729
−HK$1,800/mo
Today · 4.125%
HK$60,529
baseline
▲ 0.50% · 4.625%
HK$64,212
+HK$3,683/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,058/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,364
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,063
−HK$1,724/mo
Today · 4.125%
HK$66,787
baseline
▲ 0.50% · 4.625%
HK$70,308
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,574/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,382 · Scale 2, in force from 26 Feb 2026)