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$31,697
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,682
−HK$1,002/mo
Today · 4.125%
HK$33,684
baseline
▲ 0.50% · 4.625%
HK$35,734
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,368/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,262
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,208
−HK$959/mo
Today · 4.125%
HK$37,167
baseline
▲ 0.50% · 4.625%
HK$39,126
+HK$1,959/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,334/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,036
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,219
−HK$1,202/mo
Today · 4.125%
HK$40,421
baseline
▲ 0.50% · 4.625%
HK$42,881
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,842/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,314
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,449
−HK$1,152/mo
Today · 4.125%
HK$44,601
baseline
▲ 0.50% · 4.625%
HK$46,952
+HK$2,351/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,202/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,375
−HK$2,783/mo
▼ 0.25% · 3.875%
HK$45,755
−HK$1,403/mo
Today · 4.125%
HK$47,158
baseline
▲ 0.50% · 4.625%
HK$50,027
+HK$2,869/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,316/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,367
−HK$2,667/mo
▼ 0.25% · 3.875%
HK$50,691
−HK$1,343/mo
Today · 4.125%
HK$52,034
baseline
▲ 0.50% · 4.625%
HK$54,777
+HK$2,743/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,068/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,054
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,828
−HK$1,804/mo
Today · 4.125%
HK$60,632
baseline
▲ 0.50% · 4.625%
HK$64,321
+HK$3,689/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,264/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,472
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,174
−HK$1,727/mo
Today · 4.125%
HK$66,901
baseline
▲ 0.50% · 4.625%
HK$70,427
+HK$3,526/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,802/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,266 · Scale 2, in force from 26 Feb 2026)