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$31,680
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,666
−HK$1,001/mo
Today · 4.125%
HK$33,667
baseline
▲ 0.50% · 4.625%
HK$35,716
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,334/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,244
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,189
−HK$959/mo
Today · 4.125%
HK$37,148
baseline
▲ 0.50% · 4.625%
HK$39,106
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,296/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,017
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,199
−HK$1,202/mo
Today · 4.125%
HK$40,401
baseline
▲ 0.50% · 4.625%
HK$42,859
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,802/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,293
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,427
−HK$1,151/mo
Today · 4.125%
HK$44,578
baseline
▲ 0.50% · 4.625%
HK$46,928
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,156/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,353
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,732
−HK$1,402/mo
Today · 4.125%
HK$47,134
baseline
▲ 0.50% · 4.625%
HK$50,002
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,268/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,342
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,665
−HK$1,343/mo
Today · 4.125%
HK$52,008
baseline
▲ 0.50% · 4.625%
HK$54,749
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,016/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,025
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,799
−HK$1,802/mo
Today · 4.125%
HK$60,601
baseline
▲ 0.50% · 4.625%
HK$64,288
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,202/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,002 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,440
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,141
−HK$1,726/mo
Today · 4.125%
HK$66,867
baseline
▲ 0.50% · 4.625%
HK$70,392
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,734/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,002 · Scale 2, in force from 26 Feb 2026)