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$31,682
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,668
−HK$1,001/mo
Today · 4.125%
HK$33,669
baseline
▲ 0.50% · 4.625%
HK$35,718
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,338/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,246
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,192
−HK$959/mo
Today · 4.125%
HK$37,151
baseline
▲ 0.50% · 4.625%
HK$39,109
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,302/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,019
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,202
−HK$1,201/mo
Today · 4.125%
HK$40,403
baseline
▲ 0.50% · 4.625%
HK$42,862
+HK$2,459/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,806/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,296
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,430
−HK$1,151/mo
Today · 4.125%
HK$44,581
baseline
▲ 0.50% · 4.625%
HK$46,931
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,162/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,355
−HK$2,782/mo
▼ 0.25% · 3.875%
HK$45,735
−HK$1,402/mo
Today · 4.125%
HK$47,137
baseline
▲ 0.50% · 4.625%
HK$50,005
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,274/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,345
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,668
−HK$1,343/mo
Today · 4.125%
HK$52,011
baseline
▲ 0.50% · 4.625%
HK$54,753
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,022/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,028
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,802
−HK$1,803/mo
Today · 4.125%
HK$60,605
baseline
▲ 0.50% · 4.625%
HK$64,292
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,210/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,444
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,145
−HK$1,726/mo
Today · 4.125%
HK$66,871
baseline
▲ 0.50% · 4.625%
HK$70,396
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,742/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,035 · Scale 2, in force from 26 Feb 2026)