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$31,668
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,653
−HK$1,001/mo
Today · 4.125%
HK$33,654
baseline
▲ 0.50% · 4.625%
HK$35,701
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,308/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,230
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,175
−HK$958/mo
Today · 4.125%
HK$37,133
baseline
▲ 0.50% · 4.625%
HK$39,091
+HK$1,958/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,266/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,001
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,183
−HK$1,201/mo
Today · 4.125%
HK$40,384
baseline
▲ 0.50% · 4.625%
HK$42,842
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,768/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,276
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,410
−HK$1,150/mo
Today · 4.125%
HK$44,560
baseline
▲ 0.50% · 4.625%
HK$46,909
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,120/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,335
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,714
−HK$1,401/mo
Today · 4.125%
HK$47,115
baseline
▲ 0.50% · 4.625%
HK$49,982
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,230/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,322
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,645
−HK$1,342/mo
Today · 4.125%
HK$51,987
baseline
▲ 0.50% · 4.625%
HK$54,727
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,974/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,002
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,775
−HK$1,801/mo
Today · 4.125%
HK$60,576
baseline
▲ 0.50% · 4.625%
HK$64,262
+HK$3,686/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,152/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,792 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,414
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,115
−HK$1,725/mo
Today · 4.125%
HK$66,840
baseline
▲ 0.50% · 4.625%
HK$70,363
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,680/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,792 · Scale 2, in force from 26 Feb 2026)