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$31,685
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,670
−HK$1,002/mo
Today · 4.125%
HK$33,672
baseline
▲ 0.50% · 4.625%
HK$35,721
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,344/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,249
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,194
−HK$959/mo
Today · 4.125%
HK$37,153
baseline
▲ 0.50% · 4.625%
HK$39,112
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,306/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,022
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,204
−HK$1,202/mo
Today · 4.125%
HK$40,406
baseline
▲ 0.50% · 4.625%
HK$42,865
+HK$2,459/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,812/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,299
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,433
−HK$1,151/mo
Today · 4.125%
HK$44,584
baseline
▲ 0.50% · 4.625%
HK$46,934
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,168/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,359
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,739
−HK$1,401/mo
Today · 4.125%
HK$47,140
baseline
▲ 0.50% · 4.625%
HK$50,009
+HK$2,869/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,280/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,349
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,672
−HK$1,343/mo
Today · 4.125%
HK$52,015
baseline
▲ 0.50% · 4.625%
HK$54,757
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,030/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,033
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,807
−HK$1,802/mo
Today · 4.125%
HK$60,609
baseline
▲ 0.50% · 4.625%
HK$64,297
+HK$3,688/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,218/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,074 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,448
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,150
−HK$1,726/mo
Today · 4.125%
HK$66,876
baseline
▲ 0.50% · 4.625%
HK$70,401
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,752/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,074 · Scale 2, in force from 26 Feb 2026)