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$31,658
−HK$1,985/mo
▼ 0.25% · 3.875%
HK$32,643
−HK$1,000/mo
Today · 4.125%
HK$33,643
baseline
▲ 0.50% · 4.625%
HK$35,690
+HK$2,047/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$67,286/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$35,219
−HK$1,903/mo
▼ 0.25% · 3.875%
HK$36,164
−HK$958/mo
Today · 4.125%
HK$37,122
baseline
▲ 0.50% · 4.625%
HK$39,078
+HK$1,956/mo
Deposit HK$6.94M · loan HK$6.94M · min. income ≈ HK$74,244/mo (50% DSR)
Upfront cash ≈ HK$7.46M (deposit + AVD stamp duty HK$520,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$37,989
−HK$2,383/mo
▼ 0.25% · 3.875%
HK$39,171
−HK$1,201/mo
Today · 4.125%
HK$40,372
baseline
▲ 0.50% · 4.625%
HK$42,828
+HK$2,456/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$80,744/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$42,263
−HK$2,283/mo
▼ 0.25% · 3.875%
HK$43,396
−HK$1,150/mo
Today · 4.125%
HK$44,546
baseline
▲ 0.50% · 4.625%
HK$46,894
+HK$2,348/mo
Deposit HK$5.55M · loan HK$8.33M · min. income ≈ HK$89,092/mo (50% DSR)
Upfront cash ≈ HK$6.07M (deposit + AVD stamp duty HK$520,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,321
−HK$2,779/mo
▼ 0.25% · 3.875%
HK$45,700
−HK$1,400/mo
Today · 4.125%
HK$47,100
baseline
▲ 0.50% · 4.625%
HK$49,966
+HK$2,866/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$94,200/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,307
−HK$2,663/mo
▼ 0.25% · 3.875%
HK$50,629
−HK$1,341/mo
Today · 4.125%
HK$51,970
baseline
▲ 0.50% · 4.625%
HK$54,710
+HK$2,740/mo
Deposit HK$4.17M · loan HK$9.72M · min. income ≈ HK$103,940/mo (50% DSR)
Upfront cash ≈ HK$4.69M (deposit + AVD stamp duty HK$520,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,984
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,757
−HK$1,800/mo
Today · 4.125%
HK$60,557
baseline
▲ 0.50% · 4.625%
HK$64,242
+HK$3,685/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$121,114/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,394
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,094
−HK$1,725/mo
Today · 4.125%
HK$66,819
baseline
▲ 0.50% · 4.625%
HK$70,341
+HK$3,522/mo
Deposit HK$1.39M · loan HK$12.50M · min. income ≈ HK$133,638/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$520,629 · Scale 2, in force from 26 Feb 2026)