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$31,699
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,685
−HK$1,002/mo
Today · 4.125%
HK$33,687
baseline
▲ 0.50% · 4.625%
HK$35,737
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,374/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,265
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,211
−HK$959/mo
Today · 4.125%
HK$37,170
baseline
▲ 0.50% · 4.625%
HK$39,129
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,340/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,039
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,222
−HK$1,202/mo
Today · 4.125%
HK$40,424
baseline
▲ 0.50% · 4.625%
HK$42,884
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,848/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,318
−HK$2,286/mo
▼ 0.25% · 3.875%
HK$43,453
−HK$1,151/mo
Today · 4.125%
HK$44,604
baseline
▲ 0.50% · 4.625%
HK$46,955
+HK$2,351/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,208/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,379
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,759
−HK$1,403/mo
Today · 4.125%
HK$47,162
baseline
▲ 0.50% · 4.625%
HK$50,031
+HK$2,869/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,324/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,371
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,695
−HK$1,343/mo
Today · 4.125%
HK$52,038
baseline
▲ 0.50% · 4.625%
HK$54,781
+HK$2,743/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,076/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,058
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,833
−HK$1,803/mo
Today · 4.125%
HK$60,636
baseline
▲ 0.50% · 4.625%
HK$64,326
+HK$3,690/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,272/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,477
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,179
−HK$1,727/mo
Today · 4.125%
HK$66,906
baseline
▲ 0.50% · 4.625%
HK$70,433
+HK$3,527/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,812/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,308 · Scale 2, in force from 26 Feb 2026)