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$31,673
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,658
−HK$1,001/mo
Today · 4.125%
HK$33,659
baseline
▲ 0.50% · 4.625%
HK$35,707
+HK$2,048/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,318/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,236
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,181
−HK$959/mo
Today · 4.125%
HK$37,140
baseline
▲ 0.50% · 4.625%
HK$39,097
+HK$1,957/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,280/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,008
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,190
−HK$1,201/mo
Today · 4.125%
HK$40,391
baseline
▲ 0.50% · 4.625%
HK$42,849
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,782/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,283
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,417
−HK$1,151/mo
Today · 4.125%
HK$44,568
baseline
▲ 0.50% · 4.625%
HK$46,917
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,136/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,342
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,722
−HK$1,401/mo
Today · 4.125%
HK$47,123
baseline
▲ 0.50% · 4.625%
HK$49,990
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,246/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,331
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,654
−HK$1,342/mo
Today · 4.125%
HK$51,996
baseline
▲ 0.50% · 4.625%
HK$54,736
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,992/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,012
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,785
−HK$1,802/mo
Today · 4.125%
HK$60,587
baseline
▲ 0.50% · 4.625%
HK$64,273
+HK$3,686/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,174/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,882 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,425
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,126
−HK$1,726/mo
Today · 4.125%
HK$66,852
baseline
▲ 0.50% · 4.625%
HK$70,375
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,704/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,882 · Scale 2, in force from 26 Feb 2026)