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$31,616
−HK$1,983/mo
▼ 0.25% · 3.875%
HK$32,599
−HK$1,000/mo
Today · 4.125%
HK$33,599
baseline
▲ 0.50% · 4.625%
HK$35,643
+HK$2,044/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$67,198/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,172
−HK$1,901/mo
▼ 0.25% · 3.875%
HK$36,116
−HK$957/mo
Today · 4.125%
HK$37,073
baseline
▲ 0.50% · 4.625%
HK$39,027
+HK$1,954/mo
Deposit HK$6.93M · loan HK$6.93M · min. income ≈ HK$74,146/mo (50% DSR)
Upfront cash ≈ HK$7.45M (deposit + AVD stamp duty HK$519,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,939
−HK$2,379/mo
▼ 0.25% · 3.875%
HK$39,119
−HK$1,199/mo
Today · 4.125%
HK$40,318
baseline
▲ 0.50% · 4.625%
HK$42,772
+HK$2,454/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$80,636/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,207
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$43,339
−HK$1,148/mo
Today · 4.125%
HK$44,487
baseline
▲ 0.50% · 4.625%
HK$46,832
+HK$2,345/mo
Deposit HK$5.55M · loan HK$8.32M · min. income ≈ HK$88,974/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$519,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,262
−HK$2,776/mo
▼ 0.25% · 3.875%
HK$45,639
−HK$1,399/mo
Today · 4.125%
HK$47,038
baseline
▲ 0.50% · 4.625%
HK$49,900
+HK$2,862/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,076/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,241
−HK$2,661/mo
▼ 0.25% · 3.875%
HK$50,562
−HK$1,340/mo
Today · 4.125%
HK$51,902
baseline
▲ 0.50% · 4.625%
HK$54,638
+HK$2,736/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,804/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$519,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,909
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,679
−HK$1,798/mo
Today · 4.125%
HK$60,477
baseline
▲ 0.50% · 4.625%
HK$64,157
+HK$3,680/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$120,954/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,310
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,008
−HK$1,723/mo
Today · 4.125%
HK$66,731
baseline
▲ 0.50% · 4.625%
HK$70,248
+HK$3,517/mo
Deposit HK$1.39M · loan HK$12.48M · min. income ≈ HK$133,462/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$519,942 · Scale 2, in force from 26 Feb 2026)