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$31,676
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,661
−HK$1,001/mo
Today · 4.125%
HK$33,662
baseline
▲ 0.50% · 4.625%
HK$35,710
+HK$2,048/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,324/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,239
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,184
−HK$959/mo
Today · 4.125%
HK$37,143
baseline
▲ 0.50% · 4.625%
HK$39,101
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,286/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,011
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,193
−HK$1,202/mo
Today · 4.125%
HK$40,395
baseline
▲ 0.50% · 4.625%
HK$42,852
+HK$2,457/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,790/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,287
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,421
−HK$1,150/mo
Today · 4.125%
HK$44,571
baseline
▲ 0.50% · 4.625%
HK$46,921
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,142/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,346
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,725
−HK$1,402/mo
Today · 4.125%
HK$47,127
baseline
▲ 0.50% · 4.625%
HK$49,995
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,254/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,335
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,658
−HK$1,342/mo
Today · 4.125%
HK$52,000
baseline
▲ 0.50% · 4.625%
HK$54,741
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$104,000/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,016
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,790
−HK$1,802/mo
Today · 4.125%
HK$60,592
baseline
▲ 0.50% · 4.625%
HK$64,279
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,184/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,430
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,131
−HK$1,726/mo
Today · 4.125%
HK$66,857
baseline
▲ 0.50% · 4.625%
HK$70,381
+HK$3,524/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,714/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,925 · Scale 2, in force from 26 Feb 2026)