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$31,660
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,645
−HK$1,000/mo
Today · 4.125%
HK$33,645
baseline
▲ 0.50% · 4.625%
HK$35,693
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,290/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,221
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,166
−HK$958/mo
Today · 4.125%
HK$37,124
baseline
▲ 0.50% · 4.625%
HK$39,081
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,248/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,992
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,174
−HK$1,200/mo
Today · 4.125%
HK$40,374
baseline
▲ 0.50% · 4.625%
HK$42,831
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,748/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,266
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,399
−HK$1,150/mo
Today · 4.125%
HK$44,549
baseline
▲ 0.50% · 4.625%
HK$46,898
+HK$2,349/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,098/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,324
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,703
−HK$1,401/mo
Today · 4.125%
HK$47,104
baseline
▲ 0.50% · 4.625%
HK$49,970
+HK$2,866/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,208/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,310
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,633
−HK$1,341/mo
Today · 4.125%
HK$51,974
baseline
▲ 0.50% · 4.625%
HK$54,714
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,948/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,988
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,761
−HK$1,801/mo
Today · 4.125%
HK$60,562
baseline
▲ 0.50% · 4.625%
HK$64,247
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,124/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,399
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,099
−HK$1,725/mo
Today · 4.125%
HK$66,824
baseline
▲ 0.50% · 4.625%
HK$70,346
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,648/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,666 · Scale 2, in force from 26 Feb 2026)