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$31,650
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,634
−HK$1,000/mo
Today · 4.125%
HK$33,634
baseline
▲ 0.50% · 4.625%
HK$35,681
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,268/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,210
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,154
−HK$958/mo
Today · 4.125%
HK$37,112
baseline
▲ 0.50% · 4.625%
HK$39,069
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,224/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,980
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,161
−HK$1,200/mo
Today · 4.125%
HK$40,361
baseline
▲ 0.50% · 4.625%
HK$42,817
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,722/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,252
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,385
−HK$1,150/mo
Today · 4.125%
HK$44,535
baseline
▲ 0.50% · 4.625%
HK$46,882
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,070/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,310
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,688
−HK$1,400/mo
Today · 4.125%
HK$47,088
baseline
▲ 0.50% · 4.625%
HK$49,953
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,176/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,294
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,616
−HK$1,341/mo
Today · 4.125%
HK$51,957
baseline
▲ 0.50% · 4.625%
HK$54,696
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,914/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,969
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,742
−HK$1,800/mo
Today · 4.125%
HK$60,542
baseline
▲ 0.50% · 4.625%
HK$64,226
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,084/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,496 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,378
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,078
−HK$1,724/mo
Today · 4.125%
HK$66,802
baseline
▲ 0.50% · 4.625%
HK$70,323
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,604/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,496 · Scale 2, in force from 26 Feb 2026)