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$31,638
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,622
−HK$1,000/mo
Today · 4.125%
HK$33,622
baseline
▲ 0.50% · 4.625%
HK$35,667
+HK$2,045/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,244/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,197
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,141
−HK$957/mo
Today · 4.125%
HK$37,098
baseline
▲ 0.50% · 4.625%
HK$39,054
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,196/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,965
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,146
−HK$1,200/mo
Today · 4.125%
HK$40,346
baseline
▲ 0.50% · 4.625%
HK$42,801
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,692/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,236
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,369
−HK$1,149/mo
Today · 4.125%
HK$44,518
baseline
▲ 0.50% · 4.625%
HK$46,864
+HK$2,346/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,036/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,293
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,671
−HK$1,399/mo
Today · 4.125%
HK$47,070
baseline
▲ 0.50% · 4.625%
HK$49,934
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,140/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,275
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,597
−HK$1,341/mo
Today · 4.125%
HK$51,938
baseline
▲ 0.50% · 4.625%
HK$54,675
+HK$2,737/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,876/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,948
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,719
−HK$1,800/mo
Today · 4.125%
HK$60,519
baseline
▲ 0.50% · 4.625%
HK$64,201
+HK$3,682/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,038/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,299 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,354
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,053
−HK$1,724/mo
Today · 4.125%
HK$66,777
baseline
▲ 0.50% · 4.625%
HK$70,297
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,554/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,299 · Scale 2, in force from 26 Feb 2026)