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$31,681
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,666
−HK$1,002/mo
Today · 4.125%
HK$33,668
baseline
▲ 0.50% · 4.625%
HK$35,716
+HK$2,048/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,336/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,245
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,190
−HK$959/mo
Today · 4.125%
HK$37,149
baseline
▲ 0.50% · 4.625%
HK$39,107
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,298/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,017
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,200
−HK$1,201/mo
Today · 4.125%
HK$40,401
baseline
▲ 0.50% · 4.625%
HK$42,859
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,802/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,294
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,428
−HK$1,151/mo
Today · 4.125%
HK$44,579
baseline
▲ 0.50% · 4.625%
HK$46,928
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,158/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,353
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,733
−HK$1,402/mo
Today · 4.125%
HK$47,135
baseline
▲ 0.50% · 4.625%
HK$50,003
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,270/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,342
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,666
−HK$1,342/mo
Today · 4.125%
HK$52,008
baseline
▲ 0.50% · 4.625%
HK$54,750
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,016/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,026
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,799
−HK$1,803/mo
Today · 4.125%
HK$60,602
baseline
▲ 0.50% · 4.625%
HK$64,289
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,204/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,009 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,440
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,142
−HK$1,726/mo
Today · 4.125%
HK$66,868
baseline
▲ 0.50% · 4.625%
HK$70,393
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,736/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,009 · Scale 2, in force from 26 Feb 2026)