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$31,657
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,641
−HK$1,001/mo
Today · 4.125%
HK$33,642
baseline
▲ 0.50% · 4.625%
HK$35,689
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,284/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,218
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,162
−HK$958/mo
Today · 4.125%
HK$37,120
baseline
▲ 0.50% · 4.625%
HK$39,077
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,240/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,988
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,170
−HK$1,200/mo
Today · 4.125%
HK$40,370
baseline
▲ 0.50% · 4.625%
HK$42,827
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,740/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,261
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,395
−HK$1,150/mo
Today · 4.125%
HK$44,545
baseline
▲ 0.50% · 4.625%
HK$46,893
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,090/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,319
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,698
−HK$1,401/mo
Today · 4.125%
HK$47,099
baseline
▲ 0.50% · 4.625%
HK$49,964
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,198/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,305
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,627
−HK$1,342/mo
Today · 4.125%
HK$51,969
baseline
▲ 0.50% · 4.625%
HK$54,708
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,938/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,982
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,754
−HK$1,801/mo
Today · 4.125%
HK$60,555
baseline
▲ 0.50% · 4.625%
HK$64,240
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,110/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,392
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,092
−HK$1,725/mo
Today · 4.125%
HK$66,817
baseline
▲ 0.50% · 4.625%
HK$70,339
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,634/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,611 · Scale 2, in force from 26 Feb 2026)