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$31,644
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,629
−HK$1,000/mo
Today · 4.125%
HK$33,629
baseline
▲ 0.50% · 4.625%
HK$35,675
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,258/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,204
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,148
−HK$958/mo
Today · 4.125%
HK$37,106
baseline
▲ 0.50% · 4.625%
HK$39,062
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,212/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,973
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,154
−HK$1,201/mo
Today · 4.125%
HK$40,355
baseline
▲ 0.50% · 4.625%
HK$42,810
+HK$2,455/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,710/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,245
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,378
−HK$1,149/mo
Today · 4.125%
HK$44,527
baseline
▲ 0.50% · 4.625%
HK$46,874
+HK$2,347/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,054/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,302
−HK$2,778/mo
▼ 0.25% · 3.875%
HK$45,680
−HK$1,400/mo
Today · 4.125%
HK$47,080
baseline
▲ 0.50% · 4.625%
HK$49,945
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$94,160/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,286
−HK$2,662/mo
▼ 0.25% · 3.875%
HK$50,608
−HK$1,340/mo
Today · 4.125%
HK$51,948
baseline
▲ 0.50% · 4.625%
HK$54,687
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.71M · min. income ≈ HK$103,896/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,960
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,732
−HK$1,800/mo
Today · 4.125%
HK$60,532
baseline
▲ 0.50% · 4.625%
HK$64,215
+HK$3,683/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,064/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,409 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,367
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,067
−HK$1,724/mo
Today · 4.125%
HK$66,791
baseline
▲ 0.50% · 4.625%
HK$70,312
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,582/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,409 · Scale 2, in force from 26 Feb 2026)