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$31,706
−HK$1,988/mo
▼ 0.25% · 3.875%
HK$32,692
−HK$1,002/mo
Today · 4.125%
HK$33,694
baseline
▲ 0.50% · 4.625%
HK$35,744
+HK$2,050/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$67,388/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,272
−HK$1,906/mo
▼ 0.25% · 3.875%
HK$36,218
−HK$960/mo
Today · 4.125%
HK$37,178
baseline
▲ 0.50% · 4.625%
HK$39,138
+HK$1,960/mo
Deposit HK$6.95M · loan HK$6.95M · min. income ≈ HK$74,356/mo (50% DSR)
Upfront cash ≈ HK$7.47M (deposit + AVD stamp duty HK$521,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$38,047
−HK$2,386/mo
▼ 0.25% · 3.875%
HK$39,230
−HK$1,203/mo
Today · 4.125%
HK$40,433
baseline
▲ 0.50% · 4.625%
HK$42,893
+HK$2,460/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$80,866/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,327
−HK$2,287/mo
▼ 0.25% · 3.875%
HK$43,462
−HK$1,152/mo
Today · 4.125%
HK$44,614
baseline
▲ 0.50% · 4.625%
HK$46,965
+HK$2,351/mo
Deposit HK$5.56M · loan HK$8.34M · min. income ≈ HK$89,228/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$521,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,388
−HK$2,784/mo
▼ 0.25% · 3.875%
HK$45,769
−HK$1,403/mo
Today · 4.125%
HK$47,172
baseline
▲ 0.50% · 4.625%
HK$50,042
+HK$2,870/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$94,344/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,381
−HK$2,668/mo
▼ 0.25% · 3.875%
HK$50,706
−HK$1,343/mo
Today · 4.125%
HK$52,049
baseline
▲ 0.50% · 4.625%
HK$54,793
+HK$2,744/mo
Deposit HK$4.17M · loan HK$9.73M · min. income ≈ HK$104,098/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$521,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,070
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,846
−HK$1,803/mo
Today · 4.125%
HK$60,649
baseline
▲ 0.50% · 4.625%
HK$64,340
+HK$3,691/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$121,298/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,490
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,193
−HK$1,727/mo
Today · 4.125%
HK$66,920
baseline
▲ 0.50% · 4.625%
HK$70,448
+HK$3,528/mo
Deposit HK$1.39M · loan HK$12.51M · min. income ≈ HK$133,840/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$521,419 · Scale 2, in force from 26 Feb 2026)