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$31,657
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,642
−HK$1,001/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,690
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,219
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,163
−HK$958/mo
Today · 4.125%
HK$37,121
baseline
▲ 0.50% · 4.625%
HK$39,078
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,242/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,989
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,200/mo
Today · 4.125%
HK$40,371
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,742/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,262
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,396
−HK$1,150/mo
Today · 4.125%
HK$44,546
baseline
▲ 0.50% · 4.625%
HK$46,894
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,092/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,320
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,699
−HK$1,401/mo
Today · 4.125%
HK$47,100
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,866/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,200/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,306
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,628
−HK$1,342/mo
Today · 4.125%
HK$51,970
baseline
▲ 0.50% · 4.625%
HK$54,709
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,940/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,983
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,756
−HK$1,801/mo
Today · 4.125%
HK$60,557
baseline
▲ 0.50% · 4.625%
HK$64,241
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,114/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,393
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,094
−HK$1,724/mo
Today · 4.125%
HK$66,818
baseline
▲ 0.50% · 4.625%
HK$70,340
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,636/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,623 · Scale 2, in force from 26 Feb 2026)