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$31,665
−HK$1,986/mo
▼ 0.25% · 3.875%
HK$32,650
−HK$1,001/mo
Today · 4.125%
HK$33,651
baseline
▲ 0.50% · 4.625%
HK$35,698
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,302/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,227
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,172
−HK$958/mo
Today · 4.125%
HK$37,130
baseline
▲ 0.50% · 4.625%
HK$39,087
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,260/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,998
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,180
−HK$1,201/mo
Today · 4.125%
HK$40,381
baseline
▲ 0.50% · 4.625%
HK$42,838
+HK$2,457/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,762/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,272
−HK$2,284/mo
▼ 0.25% · 3.875%
HK$43,406
−HK$1,150/mo
Today · 4.125%
HK$44,556
baseline
▲ 0.50% · 4.625%
HK$46,905
+HK$2,349/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,112/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$520,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,331
−HK$2,780/mo
▼ 0.25% · 3.875%
HK$45,710
−HK$1,401/mo
Today · 4.125%
HK$47,111
baseline
▲ 0.50% · 4.625%
HK$49,978
+HK$2,867/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,222/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,318
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,641
−HK$1,341/mo
Today · 4.125%
HK$51,982
baseline
▲ 0.50% · 4.625%
HK$54,722
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,964/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,997
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,770
−HK$1,801/mo
Today · 4.125%
HK$60,571
baseline
▲ 0.50% · 4.625%
HK$64,257
+HK$3,686/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,142/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,409
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,109
−HK$1,725/mo
Today · 4.125%
HK$66,834
baseline
▲ 0.50% · 4.625%
HK$70,357
+HK$3,523/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,668/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,749 · Scale 2, in force from 26 Feb 2026)