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$31,707
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,693
−HK$1,002/mo
Today · 4.125%
HK$33,695
baseline
▲ 0.50% · 4.625%
HK$35,746
+HK$2,051/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,390/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,274
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,220
−HK$959/mo
Today · 4.125%
HK$37,179
baseline
▲ 0.50% · 4.625%
HK$39,139
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,358/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,048
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,232
−HK$1,202/mo
Today · 4.125%
HK$40,434
baseline
▲ 0.50% · 4.625%
HK$42,895
+HK$2,461/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,868/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,328
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,464
−HK$1,151/mo
Today · 4.125%
HK$44,615
baseline
▲ 0.50% · 4.625%
HK$46,967
+HK$2,352/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,230/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,390
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,770
−HK$1,403/mo
Today · 4.125%
HK$47,173
baseline
▲ 0.50% · 4.625%
HK$50,044
+HK$2,871/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,346/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,383
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,708
−HK$1,343/mo
Today · 4.125%
HK$52,051
baseline
▲ 0.50% · 4.625%
HK$54,795
+HK$2,744/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,102/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,072
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,848
−HK$1,803/mo
Today · 4.125%
HK$60,651
baseline
▲ 0.50% · 4.625%
HK$64,342
+HK$3,691/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,302/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,493
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,195
−HK$1,728/mo
Today · 4.125%
HK$66,923
baseline
▲ 0.50% · 4.625%
HK$70,450
+HK$3,527/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,846/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,438 · Scale 2, in force from 26 Feb 2026)