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$31,678
−HK$1,986/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$520,955 · 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$520,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,013
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,196
−HK$1,201/mo
Today · 4.125%
HK$40,397
baseline
▲ 0.50% · 4.625%
HK$42,855
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,794/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,955 · 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$520,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,349
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,728
−HK$1,402/mo
Today · 4.125%
HK$47,130
baseline
▲ 0.50% · 4.625%
HK$49,997
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,260/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,337
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,661
−HK$1,342/mo
Today · 4.125%
HK$52,003
baseline
▲ 0.50% · 4.625%
HK$54,744
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$104,006/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,020
−HK$3,575/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$520,955 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,434
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,135
−HK$1,726/mo
Today · 4.125%
HK$66,861
baseline
▲ 0.50% · 4.625%
HK$70,385
+HK$3,524/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,722/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,955 · Scale 2, in force from 26 Feb 2026)