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$32,644
−HK$1,001/mo
Today · 4.125%
HK$33,645
baseline
▲ 0.50% · 4.625%
HK$35,692
+HK$2,047/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$520,659 · 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$520,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,991
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,173
−HK$1,201/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$520,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,265
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,399
−HK$1,150/mo
Today · 4.125%
HK$44,549
baseline
▲ 0.50% · 4.625%
HK$46,897
+HK$2,348/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$520,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,323
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,702
−HK$1,401/mo
Today · 4.125%
HK$47,103
baseline
▲ 0.50% · 4.625%
HK$49,969
+HK$2,866/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,206/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,309
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,632
−HK$1,341/mo
Today · 4.125%
HK$51,973
baseline
▲ 0.50% · 4.625%
HK$54,713
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,946/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,987
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,760
−HK$1,801/mo
Today · 4.125%
HK$60,561
baseline
▲ 0.50% · 4.625%
HK$64,246
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,122/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,398
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,098
−HK$1,725/mo
Today · 4.125%
HK$66,823
baseline
▲ 0.50% · 4.625%
HK$70,345
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,646/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,659 · Scale 2, in force from 26 Feb 2026)