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$31,686
−HK$1,987/mo
▼ 0.25% · 3.875%
HK$32,672
−HK$1,001/mo
Today · 4.125%
HK$33,673
baseline
▲ 0.50% · 4.625%
HK$35,722
+HK$2,049/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,346/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,250
−HK$1,905/mo
▼ 0.25% · 3.875%
HK$36,196
−HK$959/mo
Today · 4.125%
HK$37,155
baseline
▲ 0.50% · 4.625%
HK$39,113
+HK$1,958/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,310/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,023
−HK$2,385/mo
▼ 0.25% · 3.875%
HK$39,206
−HK$1,202/mo
Today · 4.125%
HK$40,408
baseline
▲ 0.50% · 4.625%
HK$42,866
+HK$2,458/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,816/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,301
−HK$2,285/mo
▼ 0.25% · 3.875%
HK$43,435
−HK$1,151/mo
Today · 4.125%
HK$44,586
baseline
▲ 0.50% · 4.625%
HK$46,936
+HK$2,350/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,172/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,361
−HK$2,781/mo
▼ 0.25% · 3.875%
HK$45,740
−HK$1,402/mo
Today · 4.125%
HK$47,142
baseline
▲ 0.50% · 4.625%
HK$50,011
+HK$2,869/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,284/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,351
−HK$2,666/mo
▼ 0.25% · 3.875%
HK$50,674
−HK$1,343/mo
Today · 4.125%
HK$52,017
baseline
▲ 0.50% · 4.625%
HK$54,759
+HK$2,742/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,034/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,035
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,809
−HK$1,803/mo
Today · 4.125%
HK$60,612
baseline
▲ 0.50% · 4.625%
HK$64,300
+HK$3,688/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,224/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,451
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,153
−HK$1,726/mo
Today · 4.125%
HK$66,879
baseline
▲ 0.50% · 4.625%
HK$70,404
+HK$3,525/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,758/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,094 · Scale 2, in force from 26 Feb 2026)