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$31,653
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,637
−HK$1,001/mo
Today · 4.125%
HK$33,638
baseline
▲ 0.50% · 4.625%
HK$35,684
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,276/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,213
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,158
−HK$958/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,072
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,983
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,200/mo
Today · 4.125%
HK$40,365
baseline
▲ 0.50% · 4.625%
HK$42,821
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,730/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,256
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,389
−HK$1,150/mo
Today · 4.125%
HK$44,539
baseline
▲ 0.50% · 4.625%
HK$46,887
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,078/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,314
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,692
−HK$1,401/mo
Today · 4.125%
HK$47,093
baseline
▲ 0.50% · 4.625%
HK$49,958
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,186/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,299
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,341/mo
Today · 4.125%
HK$51,962
baseline
▲ 0.50% · 4.625%
HK$54,701
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,924/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,975
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,747
−HK$1,801/mo
Today · 4.125%
HK$60,548
baseline
▲ 0.50% · 4.625%
HK$64,232
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,096/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,384
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,084
−HK$1,724/mo
Today · 4.125%
HK$66,808
baseline
▲ 0.50% · 4.625%
HK$70,330
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,616/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,545 · Scale 2, in force from 26 Feb 2026)