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$31,670
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,655
−HK$1,001/mo
Today · 4.125%
HK$33,656
baseline
▲ 0.50% · 4.625%
HK$35,704
+HK$2,048/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,312/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,233
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,178
−HK$958/mo
Today · 4.125%
HK$37,136
baseline
▲ 0.50% · 4.625%
HK$39,094
+HK$1,958/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,272/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$520,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,004
−HK$2,384/mo
▼ 0.25% · 3.875%
HK$39,186
−HK$1,202/mo
Today · 4.125%
HK$40,388
baseline
▲ 0.50% · 4.625%
HK$42,845
+HK$2,457/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$80,776/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,279
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,413
−HK$1,151/mo
Today · 4.125%
HK$44,564
baseline
▲ 0.50% · 4.625%
HK$46,913
+HK$2,349/mo
Deposit HK$5.56M · loan HK$8.33M · min. income ≈ HK$89,128/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,338
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,718
−HK$1,401/mo
Today · 4.125%
HK$47,119
baseline
▲ 0.50% · 4.625%
HK$49,986
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,238/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,326
−HK$2,665/mo
▼ 0.25% · 3.875%
HK$50,649
−HK$1,342/mo
Today · 4.125%
HK$51,991
baseline
▲ 0.50% · 4.625%
HK$54,731
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,982/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,007
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,780
−HK$1,801/mo
Today · 4.125%
HK$60,581
baseline
▲ 0.50% · 4.625%
HK$64,268
+HK$3,687/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,162/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,419
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,120
−HK$1,726/mo
Today · 4.125%
HK$66,846
baseline
▲ 0.50% · 4.625%
HK$70,369
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,692/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,835 · Scale 2, in force from 26 Feb 2026)