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$31,669
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,654
−HK$1,001/mo
Today · 4.125%
HK$33,655
baseline
▲ 0.50% · 4.625%
HK$35,703
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,310/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,231
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,176
−HK$959/mo
Today · 4.125%
HK$37,135
baseline
▲ 0.50% · 4.625%
HK$39,092
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,270/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,003
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,185
−HK$1,201/mo
Today · 4.125%
HK$40,386
baseline
▲ 0.50% · 4.625%
HK$42,843
+HK$2,457/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,772/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,278
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,412
−HK$1,150/mo
Today · 4.125%
HK$44,562
baseline
▲ 0.50% · 4.625%
HK$46,911
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,124/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,337
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,716
−HK$1,401/mo
Today · 4.125%
HK$47,117
baseline
▲ 0.50% · 4.625%
HK$49,984
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,234/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,324
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,647
−HK$1,342/mo
Today · 4.125%
HK$51,989
baseline
▲ 0.50% · 4.625%
HK$54,729
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,978/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,004
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,777
−HK$1,802/mo
Today · 4.125%
HK$60,579
baseline
▲ 0.50% · 4.625%
HK$64,265
+HK$3,686/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,158/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,814 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,417
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,117
−HK$1,726/mo
Today · 4.125%
HK$66,843
baseline
▲ 0.50% · 4.625%
HK$70,366
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,686/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,814 · Scale 2, in force from 26 Feb 2026)