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$31,636
−HK$1,984/mo
▼ 0.25% · 3.875%
HK$32,620
−HK$1,000/mo
Today · 4.125%
HK$33,620
baseline
▲ 0.50% · 4.625%
HK$35,666
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,240/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,195
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,139
−HK$958/mo
Today · 4.125%
HK$37,097
baseline
▲ 0.50% · 4.625%
HK$39,052
+HK$1,955/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$520,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,964
−HK$2,380/mo
▼ 0.25% · 3.875%
HK$39,145
−HK$1,199/mo
Today · 4.125%
HK$40,344
baseline
▲ 0.50% · 4.625%
HK$42,799
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,688/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,234
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,367
−HK$1,149/mo
Today · 4.125%
HK$44,516
baseline
▲ 0.50% · 4.625%
HK$46,862
+HK$2,346/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$520,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,291
−HK$2,777/mo
▼ 0.25% · 3.875%
HK$45,669
−HK$1,399/mo
Today · 4.125%
HK$47,068
baseline
▲ 0.50% · 4.625%
HK$49,932
+HK$2,864/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,136/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,273
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,595
−HK$1,340/mo
Today · 4.125%
HK$51,935
baseline
▲ 0.50% · 4.625%
HK$54,673
+HK$2,738/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,870/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,945
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,717
−HK$1,799/mo
Today · 4.125%
HK$60,516
baseline
▲ 0.50% · 4.625%
HK$64,199
+HK$3,683/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,032/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,351
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,050
−HK$1,724/mo
Today · 4.125%
HK$66,774
baseline
▲ 0.50% · 4.625%
HK$70,294
+HK$3,520/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,548/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,277 · Scale 2, in force from 26 Feb 2026)