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$31,647
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,632
−HK$1,000/mo
Today · 4.125%
HK$33,632
baseline
▲ 0.50% · 4.625%
HK$35,678
+HK$2,046/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,264/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,207
−HK$1,902/mo
▼ 0.25% · 3.875%
HK$36,152
−HK$957/mo
Today · 4.125%
HK$37,109
baseline
▲ 0.50% · 4.625%
HK$39,066
+HK$1,957/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,218/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,977
−HK$2,381/mo
▼ 0.25% · 3.875%
HK$39,158
−HK$1,200/mo
Today · 4.125%
HK$40,358
baseline
▲ 0.50% · 4.625%
HK$42,814
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,716/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,249
−HK$2,282/mo
▼ 0.25% · 3.875%
HK$43,382
−HK$1,149/mo
Today · 4.125%
HK$44,531
baseline
▲ 0.50% · 4.625%
HK$46,879
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,062/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,306
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,684
−HK$1,401/mo
Today · 4.125%
HK$47,085
baseline
▲ 0.50% · 4.625%
HK$49,950
+HK$2,865/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$94,170/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,290
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,612
−HK$1,341/mo
Today · 4.125%
HK$51,953
baseline
▲ 0.50% · 4.625%
HK$54,692
+HK$2,739/mo
Deposit HK$4.16M · loan HK$9.72M · min. income ≈ HK$103,906/mo (50% DSR)
Upfront cash ≈ HK$4.68M (deposit + AVD stamp duty HK$520,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,965
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,737
−HK$1,800/mo
Today · 4.125%
HK$60,537
baseline
▲ 0.50% · 4.625%
HK$64,221
+HK$3,684/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$121,074/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,373
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,073
−HK$1,724/mo
Today · 4.125%
HK$66,797
baseline
▲ 0.50% · 4.625%
HK$70,318
+HK$3,521/mo
Deposit HK$1.39M · loan HK$12.49M · min. income ≈ HK$133,594/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,457 · Scale 2, in force from 26 Feb 2026)