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$31,637
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,621
−HK$1,000/mo
Today · 4.125%
HK$33,621
baseline
▲ 0.50% · 4.625%
HK$35,666
+HK$2,045/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,242/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,196
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,139
−HK$958/mo
Today · 4.125%
HK$37,097
baseline
▲ 0.50% · 4.625%
HK$39,053
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,194/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,964
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,145
−HK$1,200/mo
Today · 4.125%
HK$40,345
baseline
▲ 0.50% · 4.625%
HK$42,800
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,690/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,235
−HK$2,281/mo
▼ 0.25% · 3.875%
HK$43,367
−HK$1,149/mo
Today · 4.125%
HK$44,516
baseline
▲ 0.50% · 4.625%
HK$46,863
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$89,032/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,291
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,669
−HK$1,400/mo
Today · 4.125%
HK$47,069
baseline
▲ 0.50% · 4.625%
HK$49,933
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,138/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,274
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,595
−HK$1,341/mo
Today · 4.125%
HK$51,936
baseline
▲ 0.50% · 4.625%
HK$54,674
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,872/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,946
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,717
−HK$1,800/mo
Today · 4.125%
HK$60,517
baseline
▲ 0.50% · 4.625%
HK$64,199
+HK$3,682/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,034/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,352
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,051
−HK$1,724/mo
Today · 4.125%
HK$66,775
baseline
▲ 0.50% · 4.625%
HK$70,295
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,550/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,283 · Scale 2, in force from 26 Feb 2026)