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$31,698
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,684
−HK$1,002/mo
Today · 4.125%
HK$33,686
baseline
▲ 0.50% · 4.625%
HK$35,736
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,372/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,264
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,210
−HK$959/mo
Today · 4.125%
HK$37,169
baseline
▲ 0.50% · 4.625%
HK$39,128
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,338/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,038
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,221
−HK$1,202/mo
Today · 4.125%
HK$40,423
baseline
▲ 0.50% · 4.625%
HK$42,883
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,846/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,317
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,452
−HK$1,151/mo
Today · 4.125%
HK$44,603
baseline
▲ 0.50% · 4.625%
HK$46,954
+HK$2,351/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,206/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,378
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,758
−HK$1,402/mo
Today · 4.125%
HK$47,160
baseline
▲ 0.50% · 4.625%
HK$50,030
+HK$2,870/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,320/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,370
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,694
−HK$1,343/mo
Today · 4.125%
HK$52,037
baseline
▲ 0.50% · 4.625%
HK$54,780
+HK$2,743/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,074/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,057
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,832
−HK$1,803/mo
Today · 4.125%
HK$60,635
baseline
▲ 0.50% · 4.625%
HK$64,324
+HK$3,689/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,270/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,475
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,178
−HK$1,727/mo
Today · 4.125%
HK$66,905
baseline
▲ 0.50% · 4.625%
HK$70,431
+HK$3,526/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,810/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,295 · Scale 2, in force from 26 Feb 2026)