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$31,702
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,688
−HK$1,001/mo
Today · 4.125%
HK$33,689
baseline
▲ 0.50% · 4.625%
HK$35,739
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,378/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,268
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,213
−HK$960/mo
Today · 4.125%
HK$37,173
baseline
▲ 0.50% · 4.625%
HK$39,132
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,346/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,042
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,225
−HK$1,202/mo
Today · 4.125%
HK$40,427
baseline
▲ 0.50% · 4.625%
HK$42,887
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,854/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,321
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,456
−HK$1,152/mo
Today · 4.125%
HK$44,608
baseline
▲ 0.50% · 4.625%
HK$46,959
+HK$2,351/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,216/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,382
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,763
−HK$1,402/mo
Today · 4.125%
HK$47,165
baseline
▲ 0.50% · 4.625%
HK$50,035
+HK$2,870/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,330/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,375
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,699
−HK$1,343/mo
Today · 4.125%
HK$52,042
baseline
▲ 0.50% · 4.625%
HK$54,785
+HK$2,743/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,084/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,063
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,838
−HK$1,803/mo
Today · 4.125%
HK$60,641
baseline
▲ 0.50% · 4.625%
HK$64,331
+HK$3,690/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,282/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,482
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,184
−HK$1,727/mo
Today · 4.125%
HK$66,911
baseline
▲ 0.50% · 4.625%
HK$70,438
+HK$3,527/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,822/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,348 · Scale 2, in force from 26 Feb 2026)