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$31,653
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,638
−HK$1,000/mo
Today · 4.125%
HK$33,638
baseline
▲ 0.50% · 4.625%
HK$35,685
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,276/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,214
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,158
−HK$958/mo
Today · 4.125%
HK$37,116
baseline
▲ 0.50% · 4.625%
HK$39,073
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,232/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,984
−HK$2,382/mo
▼ 0.25% · 3.875%
HK$39,165
−HK$1,201/mo
Today · 4.125%
HK$40,366
baseline
▲ 0.50% · 4.625%
HK$42,822
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,732/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,256
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,390
−HK$1,149/mo
Today · 4.125%
HK$44,539
baseline
▲ 0.50% · 4.625%
HK$46,887
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,078/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,314
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,693
−HK$1,400/mo
Today · 4.125%
HK$47,093
baseline
▲ 0.50% · 4.625%
HK$49,959
+HK$2,866/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,186/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,299
−HK$2,664/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,342/mo
Today · 4.125%
HK$51,963
baseline
▲ 0.50% · 4.625%
HK$54,702
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,926/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,975
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,748
−HK$1,800/mo
Today · 4.125%
HK$60,548
baseline
▲ 0.50% · 4.625%
HK$64,232
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,096/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,551 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,385
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,085
−HK$1,724/mo
Today · 4.125%
HK$66,809
baseline
▲ 0.50% · 4.625%
HK$70,331
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,618/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,551 · Scale 2, in force from 26 Feb 2026)