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$31,679
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,664
−HK$1,001/mo
Today · 4.125%
HK$33,665
baseline
▲ 0.50% · 4.625%
HK$35,714
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,330/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,242
−HK$1,904/mo
▼ 0.25% · 3.875%
HK$36,187
−HK$959/mo
Today · 4.125%
HK$37,146
baseline
▲ 0.50% · 4.625%
HK$39,104
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,292/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,014
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,197
−HK$1,201/mo
Today · 4.125%
HK$40,398
baseline
▲ 0.50% · 4.625%
HK$42,856
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,796/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,291
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,425
−HK$1,150/mo
Today · 4.125%
HK$44,575
baseline
▲ 0.50% · 4.625%
HK$46,925
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,150/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,350
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,730
−HK$1,401/mo
Today · 4.125%
HK$47,131
baseline
▲ 0.50% · 4.625%
HK$49,999
+HK$2,868/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,262/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,339
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,662
−HK$1,343/mo
Today · 4.125%
HK$52,005
baseline
▲ 0.50% · 4.625%
HK$54,746
+HK$2,741/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$104,010/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,021
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,795
−HK$1,802/mo
Today · 4.125%
HK$60,597
baseline
▲ 0.50% · 4.625%
HK$64,284
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,194/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,436
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,137
−HK$1,726/mo
Today · 4.125%
HK$66,863
baseline
▲ 0.50% · 4.625%
HK$70,387
+HK$3,524/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,726/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,971 · Scale 2, in force from 26 Feb 2026)